Qualifying is all about Money Coming in
and Money Going Out for Bills. It is a
a percentage. Plus your Credit score.
A Lender's Score is different than the Online Scores. Close but different.
Minimum is 640 for a good loan program.
We can plan together to raise your score if we need to tweak it a bit. You will have
a Team working with you on this too.
A Home to plant flowers, fruit trees and a garden.
Documents Needed to Qualify:
* Last 2 Current Pay Stubs
* Last 2 Months of Bank Statements
* Copy of Dr License and SS Card
* Tax Returns for last 2 years
* Credit Cards - amounts & monthly
* Any other financial information to help paint your financial picture.
* Same Documents for 1st time buyers or experienced buyers.
We chat about your goals and criteria for the home you want to buy. We talk about the different loan options with a few good lenders and you get to pick. Some have special programs with No Down
Payment and sometimes we can get
help with Closing Costs.
We work together as a Team.
We Plan Your Path to Your Home.