top of page
FTHB_edited.png
FAQS

GET PRE-APPROVED

Get pre-approved now for financing before you start your shopping. In this real estate environment, your real estate agent will thank you, and the seller will take you seriously when making an offer.

FIRST TIME HOME BUYERS

This will likely be your largest investment and an extremely exciting time of life. Working directly with a loan officer facilitates a smooth transition and gives you someone to walk you through all the questions and wonders you have along your way to the closing table.

LOAN PRODUCTS

Which mortgage program used to finance your home has an affect on how much money you put down, whether there will be mortgage insurance required, and how many years it takes to pay off your home. Let's get you pre-approved so we can create your clear mortgage plan, allowing you to make an offer knowing all your variables ahead of time. Click Here to see our available loan programs.

DIRECT AGENCY LENDER

The kind of lender you choose is extremely important in determining whether you will have a smooth and flawless, on-time closing. We are a direct agency lender, so we do everything in house from processing, to underwriting, to closing, and lending. I never lose site of the stage of your loan process, which gives me the ability to ensure we are on track to the finish with no surprises.

TYPICAL DOCUMENTS NEEDED TO UPLOAD WITH APPLICTION

  • ID and SS cards; Visa if relevant

 

  • 2020 & 2021 W2s

  • 2020 & 2021 Completed Personal and Business Tax Returns with all schedules

  • Most recent paycheck stubs documenting at least 30 days of income with employer information showing

 

  • Checking and Savings Bank Statements – Copy of most recent 2 months statements WITH Borrower’s name, account number and bank’s name. ALL PAGES REQUIRED (easiest access is to download these statements from your online bank accounts). 

    • Any deposits made (other than payroll), to your bank accounts, including transfers from other accounts, must be documented, so please discuss with me while we are in approval process.

    • Discuss gifts funds with me before accepting or depositing into your account.

  • Copy of most recent 401K, Retirement, other asset statements – Monthly/Quarterly (All Pages) – SEND ONLY IF LIQUIDATING FUNDS FOR CLOSING

​

  • For all real estate you own:

    • Last Mortgage Statement

    • Last HOA Statement

    • Homeowner’s Insurance Policy

bottom of page