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Loan Application Checklist In general, the documentation you will need includes: Check for application fee Property Information (if you already have a contract on a house) Purchase Agreement. Copy of legal description and MLS sheet. If you are selling your current home, copy of listing contract. If you have sold your current home, copy of … Read more
What information will be needed for the application (and how it’s kept private) Anything you submit over our website is 100 percent, fully secure. And we never, ever share it with anyone except by permission — that is, if you’re giving us information you want us to use to get you the best loan, we … Read more
Welcome to the Family! Let’s get to know each other better. Priority of Money System.pdf This one page document briefly outlines my philosophy towards mortgages and debt and will allow you to get to know me better. Family Profile.pdf This will help us to learn little bit more about you. Loan Timeline Checklist.pdf This document … Read more
Reverse mortgages (sometimes referred to as “home equity conversion loans”) enable older homeowners to use their equity without having to sell their home. The lender pays out funds based on your home equity amount; you receive a lump sum, a payment each month or a line of credit. Paying back your loan isn’t necessary … Read more
Choosing a Refinancing Loan The number of refinance options available is truly breathtaking. Contact us at 619-226-3234 and we will match you with the refinance program that fits you best. surveying your options, you can determine your goals for the refinance. Lowering Your Payments Are achieving lower monthly payments and an improved rate your main … Read more
A fixed-rate loan features the same payment amount for the entire duration of the loan. The property taxes and homeowners insurance will increase over time, but for the most part, payment amounts on these types of loans vary little. During the early amortization period of a fixed-rate loan, most of your monthly payment pays interest, and … Read more
Locking It In A rate “lock” or “commitment” is a promise from the lender to lock in a specific interest rate and a particular number of points for you for a certain period of time during your application process. This means your interest rate can’t rise as you are going through the application process. Rate … Read more
How much can you afford? Deciding how much house you can afford is a personal decision. Many factors come into play. How much can I borrow? How much can I put toward my down payment? What size monthly payment can I afford? There are no black and white answers to these questions. Its a matter … Read more
Make Private Mortgage Insurance a Thing of the Past In the market for a mortgage loan? We will be glad to help! Call us at (619) 226-3234. Ready to get started? Apply Now. While lenders have been obligated (for loans closed past July 1999) to cancel Private Mortgage Insurance (PMI) when the loan balance … Read more
