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REPUTABLE LENDERS |
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CHOOSING A LENDER
Much like a REALTOR®,
the loan officer you select will play a
very important role in the real estate transaction. When comparing lenders
it is important to understand and compare the loan products, options, as
well as the cost for obtaining the loan, the personality and professionalism
of the loan officer.
Over the years we've worked with numerous
lenders and have identified those who have consistently providing the best
services, products and are cost competitive. We suggest that you
contact, meet and speak with them about the programs they offer and obtain a
good faith estimate. This will enable you to make the best possible
decision on whom to use. Once you've the decision on whom to use, then
it would be appropriate for them pull your credit and commence with the loan
pre-qualification process. |
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| Wayne Wadman |
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| Tel. 801 778 8724 |
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| Debbie Bowden |
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| Tel. 801 479 1244 |
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| Paula Nielsen |
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| Tel. 801 626 2265 |
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Listed below
are items that you will need when applying for a mortgage. |
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Real
Estate Purchase Contract |
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2-year
employment history and contact info for present and previous employer. |
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W-2's for
the past two years. |
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Self-employed, personal and business tax returns for past two years,
current balance sheet and year to date profit and loss statement. |
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þ Funds
for closing: Three most recent statements for checking, savings, IRA,
401K. If
presently renting: 2 year history of landlords and contact information. |
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Present
mortgage information: lender name, balance and monthly payment. |
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Outstanding debts: Lender name, balance and monthly payment. |
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One year
rental agreement for investment properties, if applicable. |
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If
Divorced: Complete Divorce decree signed by judge. |
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Photo
identification and social security number verification. |
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Check for
appraisal and credit report. |
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VA
Financing: DD 214 or Certificate of Eligibility |
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