Justin Kennedy
Justin Kennedy
Peoples Home Equity
Knoxville, TN 37922

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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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The Justin Kennedy Team
Licensed Mortgage Loan Originator
8351 E Walker Springs Ln.
Ste. 200
Knoxville, TN 37923
Ph: 865-318-2923


Justin is a very dedicated loan office He works hard for his clients and follows through on every part of the process, Justin was understanding and very helpful. He was there to answer any and all questions I had during the whole process he kept me updated every step of the way. Justin made my home buying experience less stressful and simple. Sharon Brewer
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Justin Kennedy NMLS #151602

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

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

Copyright © 2019 Cardinal Financial Company Cardinal Financial Company, Limited Partnership.

All trademarks and trade names are the property of Cardinal Financial.

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