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Whether you are buying your first home or your tenth home, having a great team on your side can make all the difference. Our experienced professionals are available to help you when it is convenient for you. Give us a call now, to discuss your specific situation.
Loan documents to help you through the mortgage process–worksheets to prepare, what to expect during the loan process, information about different types of mortgages.
Borrower Worksheet – We designed this helpful worksheet for our borrowers to help them prepare the needed documents for the mortgage loan application.
General Forms and Information
Consumer Handbook on Adjustable Rate Mortgages
A Consumers Guide to Mortgage Settlement Costs
HUD Settlement booklet
FHA Amendatory Clause & Real Estate Certification – The FHA Mortgage Amendatory Clause and Real Estate Certification is a form filled out by the Real Estate Agents, buyer and seller at the time the real estate contract is written. It is an agreement that should the value of the house not come in all parties agree the buyer need not move forward. This is a MUST on all FHA Mortgages.
VA Escape Clause – This form is required on all VA loans and is signed by both the buyer and the seller when the contract is signed.
Letter Templates – The links below are to helpful letter templates for commonly needed letters during the mortgage loan process.
Credit Inquiry and Past Address Explanation Letter
Derogatory Credit Explanation Letter
Large Deposit Explanation Letter
Account Access Letter for Joint Bank Statements
Gift Letter Option 1
Gift Letter Option 2
Helpful Links – Here are some links that we have found to come in handy on a daily basis
FHA Approved Condominium Search – Find out if the condo you own or are interested in purchasing is currently approved with HUD / FHA
Fannie Mae Refinance Lookup for Borrowers – Find out if your current mortgage is with Fannie Mae
Freddie Mac Refinance Lookup for Borrowers – Find out if your current mortgage is with Freddie Mac
FEMA – Disaster Area declarations – Find out if a home you are purchasing is located within a disaster area
Experian – Credit Reporting
Equifax – Credit Reporting
TransUnion – Credit Reporting
VA Certificate of Eligibility Instructions – As a veteran you need a certificate of eligibility before applying for a VA loan. This link will put you right in the instructions screen on the web site.
FHA Condo Approval Requirements – For documentation and processing requirements, please refer to ML 2009-46B and ML 2009-46A, which can be found at the following web site
Find HUD Homes for Sale – To see the latest list of all Hud Homes nationwide