HOW IT WORKS

Buying or refinancing a home is a big step, so we make the process smooth. Our friendly team will be there to keep you informed and answer your many questions. If you’re curious about our home buying process, check out the PDF below to give you an idea of what to expect when you apply

FIXED-RATE VS. ADJUSTABLE LOANS

FIXED-RATE | The interest rate does not change for the life of the loan. Your payment will never change.

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ADJUSTABLE-RATE | For the first few years, for a specific amount of time, the interest rate will remain the same. After, the rate may rise (or fall), depending on market conditions. Your monthly payment will change as the market changes.

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To speed up your application, have these documents ready:

Property Information

• Mortgage Statement (most recent month)
• Home Owner Insurance (Declaration Page)
• Property Tax Bill (most recent copy)
• Home Owner Association dues statement (if applicable)

Income Information

• Paystubs (last 30 days for all borrowers)
• Most recent W2 for all borrowers (two years).
  • Tax Returns last two years filed and signed, required only if self-employed, commission/bonus, seasonal employment or rental income
• Social security or pension (award letter (if applicable)
• Alimony / child support (recorded divorce decree/ separation, if applicable)

Asset Information

• Bank Statements – most recent two months. This should be official statements including all pages. Please include all Banks, Credit Unions that you have accounts with. (Besides Excite Credit Union)
• 401k / Retirement Statements (most recent two months)
  • 401k (plan document regarding withdrawal eligibility)

Other information (as applicable)

• Additional owned properties will require property information 1-4 (see above).
• Credit Explanation letter for any of the following
  • Gap in employment in the last 24 months
  • Credit inquiries in the last 120 days
  • Late payments made in the last 24 months

Meet Our Mortgage Team