About me
Hi, I'm Steven. I've been in real estate since 2008. I love helping my clients secure a rock-solid pre-approval letter, providing expert advice, offering transparently low mortgage rates, an easy online application, and crystal-clear updates every step of the way. Lock in a low rate today!
Hit Apply Now to kickstart your journey to saving big and owning your home!
Step 1: Get Your Free Rate Quote
See how much home you can afford. Shop our rates at home, anytime.
- Free rate search above to see instant rates and payments.
- If you have questions, schedule a time to go over the pre-approval process.
Step 2: Apply Online, Set Up Rate Alert, & Upload Documents
For a rock-solid pre-approval, please gather the following documents:
Identification:
- Driver's License
- Social Security Number (You can provide this securely during your appointment or through our online application)
Proof of Income:
- W-2 Employees:
- Last two years' W-2s
- Most recent 30 days of paystubs (If you receive bonuses, include the last two years' end-of-year paystubs)
- Self-Employed/1099/Business Owners:
- Last two years' personal tax returns (all pages)
- Last two years' business tax returns (if applicable)
- Retired:
- Most recent pension (annuity) award letter
- Most recent Social Security award letter
- W-2 Employees:
Financial Assets:
- Last 2 months of bank statements showing your primary reserves
- Most recent mortgage statements for any existing properties
- Property insurance declaration page for any existing properties
Additional Information:
- Assume annual property tax rate: 1.25% (divided by 12 months)
- Assume property hazard insurance: 0.35% (divided by 12 months)
- Include existing mortgage or Home Equity Line of Credit (HELOC) statements, if applicable
- LLC entity documents (if applicable)
Step 3: Pre-Approved! Shop or Lock Your Rate
My team of experts at Loan Factory and I will support you in obtaining documents for a solid loan application with our preferred lenders. With a pre-approval in hand, you can ensure:
- Pre-approval benefits:
- Reduced anxiety: Avoid offer rejections due to last-minute loan denials.
- Stronger offer: Increase your appeal to sellers with pre-approval validation.
- Streamlined process: Simplify the loan process and avoid delays in escrow (except for the appraisal).
- Diverse income handling: Handles complex financial situations for a smooth pre-approval experience.
Step 4: Ownership
With strong support, you're ready to purchase and refinance with ease.