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Who are
we? | Why do you need us? | What
should you bring to your first appointment?
- Full-time residential real estate
finance professionals
- Experts at working through the mortgage
lending process to save you time
- Your representatives to many lenders
- Providers of loans that comply with
industry standards and requirements
- Specialists with competitive up-to-date
loan rates
- Affordable consultants who will save
you time and money
- Our position in the mortgage industry
gives us a competitive edge allowing us to provide
you with a loan that costs less.
- Our focus is to help you achieve the
"American Dream" through proper financing
of your home purchase or refinance.
- We have a vested interest in satisfying
your needs.
- We will select the best lender from
our many sources to provide you with a loan that meets
your individual needs.
- We have extensive knowledge of the
many loan programs available and will take the time
to fit your needs to the best loan.
- There is a loan for everyone and we
know how to find it.
- Because interest rates change daily,
we can obtain a lock-in rate to insure that the rate
being offered is available to you at closing.
- We are motivated to keep the processing
time to a minimum to satisfy you with timely performances.
As
your personal Mortgage Consultant, we are happy to work
for you to find the best loan for you home.
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To assist your Mortgage Consultant
in the loan processing, it will help if you bring the
following items to your first appointment:
- Your tax returns and W-2's for the
past two years
- A list of your current assets and
liabilities
- Any information you have on the home,
land, or lot improvements
If you are purchasing or building
a home, you will need to bring in:
- A copy of the purchase agreement for the
home and the land. Please be sure to include a bid
from the builder
- A copy of the canceled earnest money check
or receipt along with details on the source of the
earnest money and down payment
- Appraisal and credit report fees ($350.00)
- Driver's license and Social Security
card
- Pay stubs (originals, last 30 days)
- The most recent three months' bank statements
- Residence history for the last two
years, including the name and address of your landlord,
mortgage company, or bank.
- Information on any other real estate owned
- Copy of your divorce decree
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