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Meet Our Mortgage Lending Team

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

Documents Needed

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

Mortgage Refinance Calculator

Use our calculators below to guesstimate your new monthly payment! And if you need to find a specific rate, click the link below.

Meet Our Mortgage Team

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Monaka Jackson
Mortgage Loan Origniator - California

Make way for Monaka Jackson, certified mortgage specialist and pro negotiator. Monaka commands 16 years of experience in the home loan industry. She turns houses into homes; giving you the keys, cash, and freedom to make your decision with confidence.

Contact Monaka Today!

 

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Cesar Cruz
Mortgage Loan Origniator - California

Our new and true Cesar Cruz is getting down to business to beat your expectations. He types with speed, clicks with cunning, and has the focus of a hundred of those big bank loan guys. Born in Nicaragua, immigrated 30 years ago, trained 20 years ago, and approving home loans for the last 10 years, Cesar routinely wears a headband to battle the perspiration from funding home loans as fast as humanly possible.

Contact Cesar Today!

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Gary Pate
Mortgage Loan Origniator - North Carolina

Gary Pate, the original mortgage maestro, lends with the best of them. Gary has over 14 years of home loan experience guiding families through the buying process. He’s polite, professional, and probably the world’s most personable pedestrian. Accept no imposters.

Contact Gary Today!

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John Flynn
Mortgage Loan Origniator - North Carolina

John Flynn, a home loan expert and savvy money saver, is ready to dot those “I’s” and cross those “T’s”. Make no mistake, with over 15 years of home loan experience, Mr. Flynn is a powerhouse of know-how’s fueled with a passion to provide you with the best home loan for your budget.

Contact John Today!

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