Road Map To Home Ownership

One of the most important elements of a successful real estate transaction is creating a personalized and carefully crafted plan.

Finding a mortgage load for your home can be confusing. With so many options to choose from, it can be difficult to find your way.

IMPORTANT Key Points to Home Ownership

Many things have changed in the real estate and mortgage finance business and similar to your CPA, Attorney or Financial Planner, it is our professional obligation to help you avoid roadblocks while creating and executing the best plan for managing your home financing needs. Please consider these key points as you prepare for home ownership or refinancing. Our goal is to make sure your experience is the best it can be by proper and professional planning, prevention and effective communication.

Tell Us

Everything! Let us decide what is relevant and important to the process and how best to organize and prepare your file for approval. Small details that may not seem important could impact your closing.

No New Credit

Don't apply for ANY new credit of any type during the process. On the very last day before your loan is funded, we are now required to look at your credit again to identify any new, increased or undisclosed debt. While this may not be considered another credit inquiry it is still very important. Sudden increases in existing debt or evidence of new debt must be planned for.

Don't Move

Do not move or transfer any money other than typical payroll. Any deposit of $1,000 or more or any unusual deposit must be proven and paper trailed. Follow specific written instructions written instructions from us on moves or transfers. Don't move your tax returns, bank statements, pay info, divorce decrees or other personal documents until the very end.

ID Please

Make sure you have two acceptable forms of identification at the beginning of your transaction. Current drivers license, social security card, or passport are the most important forms of ID.

All Pages

Prepare to provide all pages of each document required. All lenders require all pages of your bank statements, not just the summary pages such as all schedules of tax returns as well as all W2 and 1099 forms. Missing pages can slow down closings in the final days of your transaction.

Ask Us

Advice from your friends and family is often helpful and well intended, however, it may not be perfectly accurate and should be clarified. Ask us any question. Our primary role is educating you about important facts so you can make an informed decision. Whether it's how to get choose the best rate, closing cost structure or other critical components, we are driven to give you the entire answer not just what you want to hear or what others might want you to hear or feel.

Don't Lose Sleep

That's our job. We get paid to worry! Our mission is to do as much as possible to prevent problems, plan efficiently and execute the details of your transaction. We will work together to overcome any objection or concern to make sure you receive the best value and service in your real estate transaction.