Critical 1st step in knowing your buying power & a valuable tool in helping your offer to be accepted by sellers.
Having a trusted Real Estate Team working for you will save you time, money & stress in finding the right property.
Make a list of your must-haves. Select homes that meet your property & budget criteria.
Once your offer is accepted you and the seller will sign a contract.
The home is inspected & appraised to support value. Your documents are verified.
Upon final loan approval, title company schedules your signing appointment to close and your keys are delivered!
required for a refinance
Inform us of any changes in your
employment, income and assets.
Continue living at your current residence.
Continue making your mortgage or rent payment.
Stay current on all existing accounts. Advise us in advance of any upcoming vacations for business trips.
Make major purchases.
Apply for new credit card or loans.
Pay off any charges on accounts, collections, loans, credit cards or consolidate your debt.
Close, max out, or overcharge on your credit accounts.
Change bank account or transfer balances from one account to another.
Changes your source of closing funds.
Deposit cash into your bank account.