Being prepared with the information that is needed for a smooth loan transaction can save valuable time. Nick will bring insight, highlight advantages, or share the other side of the story when it comes to changes happening in the mortgage industry, real estate industry, or other factors that may affect your purchasing decisions. This saves valuable time in the loan approval process and avoids many unnecessary headaches.
Call Nick at 480-999-0086 for a prequalified loan amount. See checklist to the left for required information. Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario. With over 30 years of experience in mortgage banking, both as a Mortgage Broker and a Mortgage Banker, Nick is uniquely qualified to assist you with your home financing.
In working with Nick, you will avoid high overhead costs associated with multi-layered mortgage establishments. The lender fees will be competitive in securing the lowest possible interest rate available to him.
Call Nick at 480-999-0086 for a prequalified loan amount. See checklist to the left for required information. Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario. With over 30 years of experience in mortgage banking, both as a Mortgage Broker and a Mortgage Banker, Nick is uniquely qualified to assist you with your home financing.
In working with Nick, you will avoid high overhead costs associated with multi-layered mortgage establishments. The lender fees will be competitive in securing the lowest possible interest rate available to him.
Services
We continually recommend Nick Vallario to our valued clients.
We appreciate his expertise, ability and willingness to work with more than one lender to help us reach our goals.
His dedication and commitment to servicing his client's requirements, coupled with his knowledge and experience in the mortgage industry make him an invaluable asset to our real estate business.
Nick is a first class professional whose ability to structure solutions and find advantageous financing sets him apart.
Nick has always provided us and our clients with great service and attention and consistently exceeds our expectations.
We appreciate his expertise, ability and willingness to work with more than one lender to help us reach our goals.
His dedication and commitment to servicing his client's requirements, coupled with his knowledge and experience in the mortgage industry make him an invaluable asset to our real estate business.
Nick is a first class professional whose ability to structure solutions and find advantageous financing sets him apart.
Nick has always provided us and our clients with great service and attention and consistently exceeds our expectations.
In addition, 3/8% in interest savings can mean more debt reduction on your home loan.
After five years, on a loan amount of $250,000, you will have paid down your loan balance by an additional $1272 by having the lower rate.
In summary, using the above scenario, an interest rate savings of 3/8% is going to put a minimum of $3449 in your pocket in the first 5 years.
It will also reduce what you owe on your home loan by an additional $1272.
Invested, with the help of a professional, this amount can grow.
After five years, on a loan amount of $250,000, you will have paid down your loan balance by an additional $1272 by having the lower rate.
In summary, using the above scenario, an interest rate savings of 3/8% is going to put a minimum of $3449 in your pocket in the first 5 years.
It will also reduce what you owe on your home loan by an additional $1272.
Invested, with the help of a professional, this amount can grow.
Most current bank statements, all accounts that will be used for down-payment and closing costs.
Please include all pages of the statement.
Each borrower's profile is different.
Some common profiles which can trigger the need for additional documentation are listed below, along with the required documentation per scenario.
Two most recent years of federal tax returns, all pages and schedules, business and personal.
While convenient, you could be subjecting yourself and your personal information to hackers.
Please include all pages of the statement.
Each borrower's profile is different.
Some common profiles which can trigger the need for additional documentation are listed below, along with the required documentation per scenario.
Two most recent years of federal tax returns, all pages and schedules, business and personal.
While convenient, you could be subjecting yourself and your personal information to hackers.
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