About me
Secure your dream home with a gold standard pre-approval letter, expert guidance, low mortgage rates, a convenient online application process, and clear communication.
Contact me today to take the first step toward saving money and securing your home!
Step 1: Get Your Free Rate Quote
See how much home you can afford with competitive mortgage rates. It's easy!
- Enter your criteria above to see instant rates and payments.
Step 2: Schedule Your Pre-Approval Appointment & Upload Your Documents
Once you have a rate estimate, schedule a time to discuss your pre-approval. I can answer your questions and guide you through the process.
To prepare for your 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: Get Pre-Approved for Confidence
My team of experts and I at Loan Factory will review your income, assets, and credit to pre-approve you for a mortgage. This gives you a clear idea of your borrowing power and strengthens your offer when bidding on a home.
- Pre-approval ensures:
- 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 appraisal).
- Diverse income handling: We can handle complex financial situations for a smooth pre-approval experience.
Step 4: Find Your Dream Home!
With strong support and your pre-approval in hand, you're ready to confidently search for your perfect home.