What Clients Ask The Most

What Should I Bring To My Appointment?

Pay stubs covering the last 30 days

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Previous employment information if you've been at your current job less than 2 years

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Previous 2 months of bank statements (all accounts, all pages)

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W-2's and federal tax returns for the previous 2 years

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Driver's license

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Homeowners insurance quote (for purchases only)

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Previous 2 months of investment/retirement account statements (if applicable)

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Social Security or Disability award letter (if applicable)

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Rental Property: mortgage statement, insurance bill and tax bill (if applicable)

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Partnership Company: Forms 1065 & K1 (if applicable)

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Corporation Company: Forms 1120 & K1 (if applicable)

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Divorce decree (if applicable)

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Proof of alimony & child support payment orders (if applicable)

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Bankruptcy discharge statement (if applicable)

What Is The Home Loan Process?

1. Meet with your loan officer to review options & loan programs.

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2. Make an offer with your Realtor.

3. We will send a pre-qualification letter to your Realtor.

4. Once your offer is accepted, your Realtor sends us a copy of the
purchase contract.

5. We send all of the documentation to the lender.

6. Your Realtor orders any inspections you request.

7. Once inspection reports are in and you've reviewed them, you will call us and we will order the appraisal.

8. You will receive disclosures in the mail or via e-mail. If you receive them via e-mail, open the e-mail and acknowledge receipt. These are for your review only - no signature
is required.

9. Once your offer has been accepted, we may lock in your interest rate. We will communicate with you on a regular basis to lock at the best rate for you.

10. We may call you to request additional information or documentation.

11. Once the appraisal is completed, it will be sent to you via e-mail.

12. We will order your loan documents.

13. We will call you to make an appointment to sign your loan
documents at the title company.

14. Bring a cashier's check to the title company & sign your loan
documents.

15. The lender wires the money to the title company.

16. The title company records the documents. The ownership
deed will be mailed to you.

CONGRATULATIONS! You're done!