Welcome
Beyond the Average Mortgage Experience. . .
Your goals drive our solutions. With patience and integrity, we offer personalized mortgages that go beyond the ordinary.
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We're here to be your go-to resource for real estate, mortgage consulting, business loans, and mobile notary services. We ARE NOT YOUR AVERAGE LENDER! Your goals matter! Our mission is to simplify EVERY step, helping you achieve your goals with confidence and clarity. Let us be your #1 go to for real estate and mortgage services!
Services
Home Loans
Self-Employed Loans / Business Loans
Self-Employed Loans / Business Loans
We specialize in helping you secure the best financing for home purchases and refinances. Whether you're a first-time homebuyer or looking to refinance for better rates, I'll guide you through every step to ensure a smooth and successful process. Let us help you achieve your homeownership goals with personalized lender solutions tailored to your needs. We are licensed and commissioned mortgage brokers and notary loan signing agents
Self-Employed Loans / Business Loans
Self-Employed Loans / Business Loans
Self-Employed Loans / Business Loans
Our self-employed loan program is perfect for business owners looking to buy or refinance a home. Instead of relying on tax returns, we use your personal and/or business bank statements to prove your income and ability to repay the loan. No W-2s or tax returns needed! Plus, through our business consulting services, we help entrepreneurs secure business loans from various sources, making it easier to grow your business and achieve your goals
Notary/ Certified Signing Services
Self-Employed Loans / Business Loans
Notary/ Certified Signing Services
Our licensed, commissioned, and certified loan signing agents provide reliable and professional notary services tailored to your needs. We specialize in notarizing loan documents, ensuring accuracy and compliance. For your convenience, we offer mobile notary services, traveling to your location to handle signings at a time that suits you
Courier Services
Self-Employed Loans / Business Loans
Notary/ Certified Signing Services
We understand the importance of timely and secure document delivery. Our mobile notary and courier services are designed to provide a convenient, reliable, and professional solution for all your notary and document transportation needs. Whether you require documents to be notarized on the spot or need urgent courier services to deliver important paperwork to real estate attorneys, title offices, or other business partners, we’ve got you covered.
THE MORTGAGE LOAN PROCESS
Pre-Qualification
Pre-qualification occurs before the loan process actually begins. The lender gathers information about your income and debts, and makes a financial determination about how much house you may be able to afford.
It's a good idea to know how expensive a home you can afford before you start shopping for one! If you are refinancing the loan on your existing home, then the pre-qualification process should help you decide whether refinancing is a good idea for you.
APPLICATION
The application is the beginning of the loan process and either occurs after you have found a property you want to buy or have determined that you wish to refinance the loan on your existing home. You complete a mortgage application for a particular loan program and, supply all of the required documentation for processing. Various fees and down payment options are discussed at this time. The loan officer will deliver a Good Faith Estimate (GFE) and a Truth-In-Lending Disclosure (TIL) within three days that itemize the rates and estimated costs for obtaining the loan.
Processing of your Estimated Loan
The lender will typically submit the application package to an automated underwriting system that will provide the lender with the necessary documentation needed for loan approval. In some cases, the lender may also manually underwrite an application package.
The lender's processor reviews the credit reports and documentation to verify your employment, debts, and payment histories. If there are unacceptable late payments, collections, judgments, etc., the processor requests a written explanation from you. The processor also reviews the appraisal and survey and checks for property issues that may affect final loan approval. The processor's job is to put together an entire application package for the lender's underwriter.
Underwriting
The lender's underwriter is responsible for determining whether the application package prepared by the processor meets all the lender's criteria. If more information is needed, the loan is put into "suspense" and you will be contacted to supply more documentation.
If the underwriter approves the loan, the lender issues a conditional commitment to lend, orders title insurance, works with you to clear all conditions to its commitment to lend, and then schedules a closing time. Conditions to the lender's commitment may include issues with credit, income, or the property that may arise during the processing and underwriting process
CLOSING!!
The closing will occur after all conditions are cleared and the lender issues a full loan approval. At the closing, the lender "funds" the loan with a cashier's check, draft or wire to the closing agent, who disburses funds, in exchange for the title transfer to the property. This is the point at which you finish the loan process and actually refinance or buy the house, subject to the lender's loan. Closings occur at different places in different states. For instance, some states require that the closing take place at a closing attorney's office, while others use a title or escrow company. You may also be able to close at your home.
PAPERWORK NEEDED
Documentation is vital for a home loan!
To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to provide:
- Social Security numbers for both you and any co-borrowers
- Copies of checking and savings accounts statements for the past two months
- Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e. 401k or 403b program)
- Recent paycheck stubs
- W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
- The name and address of someone who can verify your employment
- Residence history for the past two years
- Sales contract for the purchase of a new home
- Homeowner's association information with contact information if property is a condo or part of a homeowner's association
Not Sure Where to Start with Your Mortgage?
Not Sure Where to Start?
Whether you’re exploring options or ready to move forward, We're here to help! We are not your average lender—your goals matter! We will guide you to the best solution for your unique situation.
Click below to schedule a consultation that works for you!