Whether you are buying a home, acquiring investment properties, seeking to pay off your mortgage more quickly, consolidating your debt, or just lowering your house payment, my job is to help you make your financial life better in an easy to understand way!
My Promise to You
Help you get the best financing deal available
Do what I said I would: rate, fees, etc
Return your phone calls, emails, texts, etc. in a timely manner
Help your friends, family members, neighbors, and co-workers with the same integrity
Whatever you need, our team can help!
Pre-Qualify in Minutes
My vision for our interactions together is that, whether I am able to help you get a loan or not, you are so wildly pleased with your newly-enlightened understanding that you will enthusiastically introduce everyone you know to me for the same experience.
What Our Clients are Saying
Enough Talk, Let's Get Started
Frequently Asked Questions
What documents do I need to get pre-approved for a loan?
In most cases, you’ll need to provide:
- Most recent two pay stubs from your job. Make sure they show gross, net, and year-to-date earnings
- W-2s and federal tax returns (personal & business, if applicable) for the last two years
- All pages of a recent bank statement, showing where any down payment funds would be coming from
- Photo ID
- Divorce Decree, if applicable
How can I qualify for a larger amount?
Lowering monthly payment obligations (i.e., Care payments, Credit Card debt, Student Debt) is one way. Another is to beef up your down payment funds. Lastly, increasing the qualifying income goes a very long way. To wit: getting a raise, a higher-paying job, or having someone co-sign with you all help. A lower interest rate will also do wonders.
What are the general qualifications to receive a mortgage?
Earn money and manage it well. Generally speaking, your monthly income needs to be at least 2.5x the anticipated monthly house payment and the credit score needs to be above 620 FICO. The new house payment plus all other monthly debt obligations (including child support/alimony but excluding utilities and extraneous insurance) will need to stay under 36%-55%, depending on the loan program.
How long Does it usually take to get a Mortgage?
While the law says you need to wait at least seven business days from the time you sign the initial application documents, generally speaking, it takes two to four weeks from start to finish. I have closed a number of loans in seven business days though.
Got a question?
Give us a call at (801) 830-0083 or send us a message using our form and we will get back to you!