These days, getting approved for a mortgage can be the most difficult part of the home buying process. Our job, as your mortgage broker, is to make this time as simple and carefree as possible. When you work with us, there are no headaches, no stress and no sleepless nights. Here is how we make buying a home easy!
We will work with you upfront to make sure all of your loan documents are “underwriter ready”. The #1 reason why loans have trouble getting approved, is that the borrower’s paperwork is not organized and complete. The following is a list of documents needed with every mortgage application.
- Last 2 years of tax returns with W-2s
- Last 2 month’s of bank statements from the account you wish to use at closing
- 2 most recent pay stubs
- Signed purchase agreement
Communication is Key
Our loan processors are available whenever you are and however you prefer to communicate – email, text or phone. Communication is essential for getting your loan closed on time and we are committed to providing the most convenient process possible. Our goal is to close your loan in 21 days or less. Also, we are constantly updating your real estate agent so that he or she is kept up to date on the loan process and we know the status of everything else going on with your deal.
At the core of our company’s principles, is the idea that we can lower costs by utilizing superior technology. Our mortgage rate quote app searches through hundreds of local lenders to find the best priced deal available.
Did you know that lenders can change their rates multiple times per day? By automatically downloading rate information from local, regional and national lenders, we are able to instantly compare deals and provide the most up to date rate quote when you are ready to lock in.
Friendly Support & Advice
Our average loan processor has over 10 years of experience in the real estate industry. We have bought, invested, developed & built homes throughout New Jersey and Pennsylvania. There is rarely a situation we have not been through ourselves. So, please reach out to us with any questions even if you are not ready to apply. We are a friendly, down to Earth group that loves to help!