Thank You For Starting Your Mortgage Application With Us!
Use our secure, Online Mortgage Application to jump-start the home loan process and lock in low mortgage rate in just 10 minutes!
To Start: Follow the 3 Steps below.
STEP 1: Watch these Guided Videos
Please watch the following videos to guide and give your ideas about the mortgage application process.
STEP 1: Watch these Guided Videos
Please watch the following videos to guide and give your ideas about the mortgage application process.
How to complete the application in less than 15 minutes
10 Things NOT to do or it could disqualify you
STEP 2: Your Online Application
STEP 2: Your Online Application
This application should take you 10-15 minutes to complete. If you find yourself stuck on a section, or unsure how to complete it, simply leave it blank or put in your best estimate. E-Mail us when you are complete with the sections you were uncertain about. We can make any changes on my end if appropriate. You’re not sitting down across the table from a stuffy banker. There is nothing (within reason) that you can do on this application that will hurt your chances of obtaining financing.
Once you complete the application, please look for the Task section to upload the documents below for the pre-approval process:
Most recent pay stubs that cover the last 30 days, if applicable
Latest 2 years of W2s or1099s
Latest 2 months bank statements
Copy of Driver Licenses
Latest 2 years Federal Tax Returns
STEP 3: Opt-Out of Spam/Marketing Calls/Emails
STEP 3: Opt-Out of Spam/
Marketing Calls/Emails
When we pull your credit, the 3 credit bureaus will sell your contact information to lesser mortgage companies. These companies spam consumers who have recently had their credit pulled. I never submit your personal contact information to the credit bureaus, but in most cases, they already have it. If you would like to reduce the likelihood of this happening, you can go here to be placed on Electronic Opt-Out for 5 years: https://www.optoutprescreen.com/selection
If the Consumer Credit Reporting Company maintains a credit file for you and is able to locate your credit file based on the information you provide, your name will not be eligible for inclusion on lists used for Firm Offers of credit or insurance for five years.
Credit Freezes
If your credit scores are currently frozen, please lift the freeze. It is unlikely that we will need it lifted for more than a few days, but if you want to eliminate any chance of having to lift it again, please lift the freeze for 45 days.
Do I qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and n more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.
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888-851-3506