Buying the home of your dreams, or if you're refinancing, is a process, but Ginger Sullivan of Anasazi Mortgage will work with you step-by-step -- at your rate of speed, and keeping you informed along the way. We're here for you. Know how much you can afford-- or want to afford -- so you can house hunt with confidence. Give Ginger Sullivan a call at 505-995-8888 or email ginger@anasazimortgage.com for a no-cost, no-obligation expert consultation.
Leverage the equity in your home toward improvements, taking a vacation, or simply getting your loan paid off faster. Considering refinancing, but you're not sure if the time is right or not? Give us a call at 505-995-8888 or email ginger@anasazimortgage.com for a no-obligation consultation with one of our mortgage experts.
Leverage the equity in your home toward improvements, taking a vacation, or simply getting your loan paid off faster. Considering refinancing, but you're not sure if the time is right or not? Give us a call at 505-995-8888 or email ginger@anasazimortgage.com for a no-obligation consultation with one of our mortgage experts.
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There is little question that getting a mortgage may feel somewhat complicated, and you may not be sure were to begin.
The mortgage process is more difficult than it was a few years ago, but Ginger Sullivan will guide you closely through your mortgage process -- from pre-qualifying through the closing -- so that you can concentrate on what is most important to you: Preparing to purchase your new home or, if refinancing, restructuring your cash flow to maximize the benefit of your refinance.
Our intention is to "go at your speed" and your comfort level.
The mortgage process is more difficult than it was a few years ago, but Ginger Sullivan will guide you closely through your mortgage process -- from pre-qualifying through the closing -- so that you can concentrate on what is most important to you: Preparing to purchase your new home or, if refinancing, restructuring your cash flow to maximize the benefit of your refinance.
Our intention is to "go at your speed" and your comfort level.
Even if you haven't narrowed down houses to view yet, it's important to visit with Ginger Sullivan, your mortgage loan consultant, early into your mortgage process.
Why? Below is a discussion as to some of the benefits of early pre-qualification.
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount for which you'll qualify.
We do this by reviewing your income and debts, your employment and housing circumstances, your available funds for a down payment, required reserves for certain loan programs, as well as other considerations.
Why? Below is a discussion as to some of the benefits of early pre-qualification.
When we pre-qualify you, we help you determine how much of a monthly mortgage payment you can afford, and the loan amount for which you'll qualify.
We do this by reviewing your income and debts, your employment and housing circumstances, your available funds for a down payment, required reserves for certain loan programs, as well as other considerations.
Before you begin to shop for a new home, we'll want to schedule some time with you to discuss how much you can afford or want to afford.
It's important for you to understand the distinction between being pre-qualified vs. pre-approved.
The difference between the two terms may be crucial when you decide to make an offer on a house, and how the seller will perceive your offer.
This nuance is also important if you are a seller of your home contingent upon someone else purchasing your home in order for you to buy your new home.
It's important for you to understand the distinction between being pre-qualified vs. pre-approved.
The difference between the two terms may be crucial when you decide to make an offer on a house, and how the seller will perceive your offer.
This nuance is also important if you are a seller of your home contingent upon someone else purchasing your home in order for you to buy your new home.
IF you are purchasing and are in the pre-qualification stage, not having yet identified a property, please skip to the "Income" section of this checklist.
Statements for each bank, mutual fund, and/or investment account for the last two months -- all pages that are numbered, even if you feel they aren't necessary.
Statements for each bank, mutual fund, and/or investment account for the last two months -- all pages that are numbered, even if you feel they aren't necessary.
Until your loan closes, there are still many things with which you don't want to "surprise" your lender.
Here are some things to stay clear of during the home buying process to be sure the transaction goes smoothly.
DO keep originals of all pay stubs, bank statements, and other important financial documents which may be required to update any documents that are over 30 days old prior to the closing of your mortgage loan (a requirement EVEN IF your loan has been fully approved).
DO provide all documentation for the sale of your current home (i.e., sales contract, closing statement, employer relocation/buyout program, etc.).
Here are some things to stay clear of during the home buying process to be sure the transaction goes smoothly.
DO keep originals of all pay stubs, bank statements, and other important financial documents which may be required to update any documents that are over 30 days old prior to the closing of your mortgage loan (a requirement EVEN IF your loan has been fully approved).
DO provide all documentation for the sale of your current home (i.e., sales contract, closing statement, employer relocation/buyout program, etc.).
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