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Purchases

This is exciting. You have finally found your dream home! 

Let’s make the process as smooth as possible.  We will need the following items:

  • A copy of a purchase agreement fully signed by all parties with all the addendums.
  • Bank Statements (last 2 months)
  • W2’s from last tax year
  • Current pay stubs (1 months worth) from all borrowers.

You should be shopping for insurance carriers – who will insure your home?  Also, it’s a good idea to plan to be on site when your home is inspected – it is very informative!!  Think about a home warranty plan as well – they can save you hundreds.  If you need a referral to a great realtor – we can help!

Refinances

All right!!  Let’s save some money!!

To make the process as smooth as possible.  We will need the following items:

  • Copy of your current mortgage payment coupon.
  • Homeowners Insurance information
  • Bank Statements (last 2 months)
  • W2’s from last tax year
  • Current pay stubs (1 month’s worth) from all borrowers.

There are many reasons why refinancing can be benificial and some reasons why they may not be helpful.  You can rest assured that we will tell you if it is not in your best financial interest to refinance!!  See our blog for further information about the benefits and pitfalls that can occur.  Thank you for trusting us with your loan!