https://youtu.be/wRb2qK0RkDU There is no set definition about what is considered pre-qualified and what is…
Mortgage approval is a full audit of your credit and finances.
I am using the word audit deliberately to make it clear that this is a detailed review and will require exact documentation when it is requested.
The two things I am going to do for you during the home buying process
I promise two things throughout the process.
I will keep you updated at a minimum of once a week. I will inform you immediately of any changes, good or bad, to your loan or approval.
I will close on time. I will make sure we hit the date on your purchase contract. If I feel the date is not going to work for your loan and situation, I will inform all parties at the very beginning and not just hope to make it work. If something changes that might risk that guarantee, I will let all parties know as soon as possible so you can make adjustments.
I am a local mortgage broker serving Omaha, Papillion, Bellevue, La Vista, and all of eastern Nebraska. If you need help finding a local realtor or qualifying for a home loan please contact me.
The two things I need from you
I am here to help guide you through this process. To make sure you have an amazing home buying experience there are two things I need from you.
While I try to keep it to a minimum, I will likely have to come back to you a few times for additional documentation. I need you to get me that documentation as soon as possible and no later than 48 hours after it is requested.
I need you to provide the documentation exactly as I have asked for it. Because this is basically a full audit of your finances, the documentation has to be exact and I will use exact language when asking for items. For example, if I request a bank statement I will need a full complete bank statement and not a phone screenshot of a summary.
I am excited to help you get in your new home and want to make sure this goes as smoothly as possible. I’ll be your pilot on this journey and make sure we land this plane safely. 🙂
Other useful links
- How to improve your credit
- The 20% down rule on conventional
- What is Escrow?
- How is income calculated?
- Why your assets matter
- Mortgage Calculator
- Is Credit Karma accurate?
- FHA vs Conventional, which is better?