Thank you for taking the time to speak with me about the exciting journey you are about to embark on, this wonderful thing called Life! As discussed, to start the pre-qualification process, please use this link to apply:

 

 

 

Before you fill out the application, consider using this link to opt out of prescreened offers:

You may not know that the credit bureaus, specifically Experian, will sell your contact information to other mortgage companies the minute I pull your credit. If you don't opt-out of this, you'll get LOTS of calls from other mortgage companies for weeks right after I pull your credit. If you don't want to get all those dozens of calls, please fill out the Opt OutPrescreen link first before the application.

Once you complete the application, I will pull your credit. If it turns out that your credit needs work, there are suggestions I can give you, straight from the credit bureaus on how to get a quick jump in points. If your credit needs more help than I can provide, I may have a great company to refer you to that can help! Additionally, I will need some documentation to confirm your identity and income information:

• last 2 pay stubs for both you and your husband
• 2022 W2s, as well as 2023 if available
• 2021 and 2022 tax returns, I assume you don't have your 2023 tax return filed?  If so, send 2022 and 2023
• last 2 bank statements, all pages, all accounts you want to include
• copy of your driver's licenses (you can text me a clear cell phone pic of this)
• copy of your social security cards (you can text me a clear cell phone pic of this)(if not available we have a work around)
• do you have a retirement accounts or 401ks?  Please send a current statement, as we can count these funds as reserves and this strengthens the file

I know this is a lot, and will take some time to gather. That is not a problem. I know life continues happening in the meantime!  Please fill out the application first so we can take a peek at your credit before you submit the requested documents listed above. I'll be able to let you know how the credit looks right away. I am excited to help your family get into a home of your own.

 

As always if you have any questions or need help with anything in this process, please do not hesitate to reach out to me. Have a fantastic day!