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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


If you are in need of a home loan or looking to buy a home your first step should be with Marissa French and Margo Krogulski at Peoples Home Equity. They are top notch and will work with you and help you get to where you can buy your dream home. These two ladies are a God send to me. I cherish both of them and if it hadn't been for them i would have never been able to get my place. So I thank both of them from the bottom of my heart. Stephen H.
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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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All trademarks and trade names are the property of Cardinal Financial.

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