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The Loan Process

1. Borrower Intake and Pre-Approval. This is where you and I discuss:

  • how much you want to spend

  • how much of a mortgage payment you will be comfortable with

  • ​where your down payment money will be coming from

  • your credit report to make sure it all looks good

2. Gathering of your documentation:

  • One month's pay stubs or other forms of income

  • Two years of W2s and tax returns

  • Two months' most recent bank statements

  • Two months of statements for other accounts that will be used for funds to close

  • Self-Employed:

    • Last two years of ​tax returns

    • Year-to-Date P&L

    • Balance Sheet

  • copy of your driver's license

3. Getting you Pre-Qualified:

  • analyzing your documents to determine how much you can afford

  • utilizing the Affordability Calculator so you can fully understand your Ability to Repay

  • deciding on which loan program best suits your needs

4. You go Home Shopping:

  • I send a lender letter to your realtor

  • We analyze the numbers for each property to make sure it fits within your budget

5. You go under contract


6. I submit your file into underwriting where it is approved with conditions. We gather the conditions that the underwriter asked for,

7. You get the Home Inspection

8. I order the appraisal once you have made it through the inspection process

9. File is conditionally approved

10. Clear to Close!!! 

11. Closing. Yeah!!!!!!!!!!!!!

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