We have the resources and tools to ensure success.
Calculate your monthly payment and see how the principal is paid over time.
Rent vs. Own
Calculate the difference between renting and buying a home.
Annual Percentage Rate (APR)
Calculate the APR for fixed-rate or adjustable-rate loans.
Determine if you can consolidate your debt by combining it with your home mortgage.
Find out how soon you can pay off your mortgage by making a prepayment.
Determine the additional monthly payment amount needed to pay off the loan sooner.
Refinance Break-Even Point
Find out how long it will take to "break-even" on a refinanced loan.
Determine the estimated tax savings with a new loan.
Documents required to complete the Loan Application:
Pay stubs – copies of most recent (for 30 day period)
W-2’s – copies of most recent (for 2 year period) 2015-2016
Tax Returns – Entire Federal Tax Returns for previous 2 years and all schedules (including K-1), if you filed:
Extension filed for 2016
– then W-2s and returns are required, all pages
– current year to date Profit and Loss and Balance Sheet – (signed)
Ownership in a corporation or partnership
- need K-1 and complete S Corp returns
Bank statements – copies of 2 most recent monthly statements for all checking, savings, CD’s, IRA, 401-K and investment accounts (ALL PAGES)
Copy of Purchase Sales Contract w/Escrow Deposit – when signed
Divorce Decree, Quit Claim Deed and Settlement Agreement
Full Bankruptcy Papers and Discharge Notice
Documentation for any short sale, foreclosure or loan modification in the last 7 years
DD 214 and Certificate of Eligibility (VA)
Name and phone number for Employment Verification
Additional Documents If Refinancing:
Copy of Warranty Deed
Copy of Owners Title Insurance Policy
Copy of Homeowner’s and Flood Insurance Policy
Copy of Property Survey
Copy of Mortgage Payment Coupon (also 2nd mortgage coupon if this applies)
Association or Condo payment coupon
Photo ID Required ( copy of current Drivers License, Social Security Card and/or Green Card, Passport)
Once you select us to obtain your home loan, you'll be amazed at how quickly and simply the loan process moves. Before you know it, you'll have a mortgage that suits your lifestyle and saves you money.
Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.
Here's an overview of the loan-application process.
We always recommend that you start with a pre-qualification or pre-approval prior to starting your home search. Click here to GET STARTED.
Doing this before you do anything else will insure that you stay within your budget and are looking for homes that you know you can afford. We believe in helping you make a sound financial discussion that will make your home ownership a strong part of your financial future.
STEP TWO -- Apply Now! Getting started is easy
When you've selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. To get started, select an application from the list on the left.
At the appropriate time we'll order a property appraisal for you.
STEP THREE -- Your Loan is Approved and Funded
Your Real Estate Agent or the Seller will designate an Escrow/Title Company to handle the funding of your loan, along with many other factors which make your purchase go smoothly.
We will coordinate with the escrow team and you'll sign the final papers at their office.
Simple, Straightforward, Cost Effective, and FAST!
Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you're a first-time homebuyer. Here's some information that will keep you on track.
A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.
Count On Your Real Estate Agent To: