About me
What I Do
Purchases, refinances, cash-out, HELOCs, home-equity loans, first-time buyer programs, low-down options, credit-flex structures, self-employed income execution.
How It Works
Check rates
Apply online
Verified pre-approval
Close without drama
Required Docs
Identification
Driver’s license
Social Security Number (submitted securely online or at appointment)
Proof of Income
W-2 employees
Last 2 years W-2s
Most recent 30 days paystubs
If bonuses: last 2 years end-of-year paystubs
Self-employed / 1099 / business owners
Last 2 years personal tax returns (all pages)
Last 2 years business tax returns (if applicable)
Retired
Most recent pension/annuity award letter
Most recent Social Security award letter
Financial Assets
Last 2 months bank statements showing primary reserves
Most recent mortgage statements for any existing properties
Property insurance declaration page for any existing properties
Additional Items
Existing mortgage or HELOC statements (if applicable)
LLC entity documents (if applicable)
Standard Cost Estimates When Shopping
Property tax: assume ~1.25%/year
Hazard insurance: assume ~0.35%/year