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Helpful Info

1. Rural Development Property Eligibility

2. THDA Homebuyer’s Class Calendar


Home Loan Checklist

Items needed on every loan (FHA, Conventional, VA, Rural Development & THDA):

  • Last Two Years W2 forms
  • Last Two Years Tax Returns
  • Last 2 most recent pay stubs
  • Last 2 months of bank statements- all accounts, all pages, with client name, bank name & account # on each page
  • Driver’s License
  • Homeowners Insurance- need name & phone # of agent
  • Appraisal payment
  • Cancelled Earnest Money Check & updated bank statement after the money clears (purchase only)

Items needed on VA loans

  • Everything listed above, plus:
  • DD214 form
  • Appraisal paid at closing $500

Items needed on Rural Development loans:

  • Everything listed above, plus:
  • Letter of Explanation for household residents and household income
  • If other income into the household, need pay stubs & W2s for others

Items needed on THDA loans:

  • Everything listed above, plus
  • THDA specific forms
  • Homebuyer class certification


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Peoples Home Equity
8351 East Walker Springs Lane
Suite 200
Knoxville, TN 37923
Phone: 865.936.9100
Fax: 877.235.3633


Completed transaction in December 2018 in Knoxville, TN.
From my initial contact (which was by accident) to my day of closing,I felt as if I was their only client. I thought I called another mortgage company but was so happy that I ended up working with Marissa (and everyone else). I received above and beyond customer service which always included detailed information regarding current or upcoming paperwork or tasks. Every person that I came in contact with was pleasant and happy to help with anything I needed. I will happily refer everyone I know ❤️
Kristy N.

It had been the easiest and best experience for something so stressful. Everyone was great love them all!
Auston B.
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Marissa French NMLS # 184740 & Margo Krogulski NMLS # 184738

Visit the NMLS Consumer Access website for regulatory information about us.

Cardinal Financial Company, Limited Partnership (NMLS ID 66247).

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