The idea of buying your first home is bound to bring many questions to mind. This is a natural reaction, as it is one of the biggest decisions you will ever make. Rest assured, my team and I are here to assist you in understanding the loan process with our goal being to make this experience a pleasant one.
The process starts with a meeting between you and me. This is called getting "pre-approved". During this meeting, which can take place in person or over the phone, I will gather information about you, including:
- Full name, Social Security Number, Date of Birth
- 2 year address history
- 2 year employment history
- Clarification of all income sources. (i.e. Social Security benefits, child support, alimony, VA benefits, retirement income, pensions, etc.)
- Credit Report
- Supporting documentation, including Federal Tax returns for 2 years, pay stubs, W2's, bank statements, photo ID, and any other required documents specific to your situation.
We will then verify all information including a thorough review of your credit report. You will provided with a complimentary copy of your credit report at this meeting. If you determine there are any inaccuracies on your credit report, we have the ability to help expedite your removal.
Once you are comfortable with your loan options, and have chosen the right program to fit your needs, it's time to shop for a home! I'm happy to provide referrals to my extensive list of Real Estate Agents for you to assist with finding your perfect home.
The bottom line that seperates CM Mortgage apart from our competitors is we are a mortgage broker. What that means for you is I have 30 lenders to shop the best rate and product to fit your specific need. Another thing we offer is persoanlized customer service. Your not a loan number at CM Mortgage. We will know your name and build your trust to form that relationship. If this sounds like the customer service that your expect and deserve please give us a call.