Homeownership starts here, by a simple conversation with your own mortgage professional. Let me work with you step-by-step as you qualify to purchase a new place called home or refinance your current home.
Call or text me with questions about getting started — (562) 881-0123 — ¡Hablo Español!
Phone: (562) 881-0123
More About Your Adviser — Originally from Ecuador, JD has 8 years of experience in the financial advising industry, 2 of which has been devoted to helping homeowners and future homeowners through mortgage planning.
(i.e. Driver's License, Passport, State Issued ID)
2 Years of Most Recent W-2's or 1099's
(or Other Proof of Income i.e. Social Security, Pension, Disability)
2 Years of Most Recent Federal Tax-Returns
(No State Tax-Returns Required)
1 Month of Most Recent Pay Stubs
(Ignore if Self-Employed, Disabled, Retired)
2 Months of Most Recent Bank Statements and Other Assets
(Checking, Savings, 401K, IRA, Investments)
Credit Report & Borrower Authorization
(Generated by American Prime Lending)
INSTRUCTIONS: You may provide documentation in person, via email to firstname.lastname@example.org, or via our online application doc. upload section. Contact me at (562) 881-0123 for questions or concerns gathering your documentation.
STEP 1 — YOUR PRE-APPROVAL
Before you start making offers, home sellers need to know you can actually afford their home. That is what a Pre-Approval Letter is for. To begin I will need to see a few documents from you to make sure you qualify as well as define what price you can afford. Once that's taken care of, I will provide you your official Pre-Approval Letter!
STEP 2 — GO HOUSE HUNTING!
Once you have been officially pre-approved and know how much you can afford, you can start shopping around for the perfect home and make solid offers!
STEP 3 — OPEN ESCROW
Once you have found the perfect home and your offer has been accepted, the time clock starts! Escrow, the company which helps the buyer and seller with this big transaction, will open an account for you and the seller and officially start the process!
STEP 4 — YOUR HOME INSPECTION
Now that you found your home, you want to make sure the house is in good shape before you move in. Soon after escrow is opened, a professional inspection company is hired to inspect the home and make sure there are no problems or risks that you will face once you own it!
STEP 5 — YOUR HOME APPRAISAL
Before the money can be lent to you, the lender wants to make sure the home is priced right. Soon after escrow is opened, an official appraisal is ordered for your home to confirm it's value.
STEP 6 — VERIFY ALL CONDITIONS HAVE BEEN MET
As you are near the end of the process, you as the soon-to-be owner of the home, need to make sure that any conditions set forth for the seller to meet, have been accomplished. For example, you made an offer to purchase the home IF the roof was completely repaired, therefore you make sure this condition was met by the seller before you move forward!
STEP 7 — SIGN THE FINAL DOCUMENTS
After the home was inspected, appraised, and made the final walk through after seller's conditions were taken care of, it's finally time to sign the final documents including your loan disclosures and ownership transfer forms. Make sure you take your time signing!
STEP 8 — GET YOUR KEYS, AND WELCOME TO YOUR NEW HOME!
Once all documents are signed and you arrive to your anticipated closing day... CONGRATULATIONS! You are officially a homeowner!
First-Time Buyers • Conventional • FHA • VA • Bank Statement • Profit & Loss • Self Employed • Poor Credit • No Down Payment
Cash-Out Refinances • Rate & Term Refinances • Home Equity Loans • HELOCs
Purchase+Rehab • Purchase Rental • Debt-Service Ratio Loan • Refinance Rental • Hard Money Loan
Change Jobs Unless Absolutely Necessary
Make Any Major Purchases i.e. Buy a New Car
Be Late on Rent, Credit Card, Car, or Loan Payments
Max-out or Over-charge Any of Credit Cards
Apply or Co-Sign for Any New Loans or Credit Cards
Dispute or Close Any Credit Accounts
Pay Off Collection or Charge Offs Without Consultation Beforehand