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Get The Lowest rate
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Being Approved For A MORTGAGE LOAN SIMPLE STEPS
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Sky filled with colorful clouds in Big Corona, Corona Del Mar, California
I am so blessed to take twenty minutes off and eat my lunch watching the ocean. My mortgage loan office is in West side Newport Beach. I spoke on the telephone with a client making calculations on my HP 12C then took these photographs with my iphone. How lucky I am!
2012
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• Competitive rates and fees • An e • Prompt communication, feel free to call us anytime • Service that continues after your loan closes As your Loan Consultant I'll work with you every step of the way. W J Bradley Mortgage Capital LLC.
Caroline Gerardo Barbeau
C. G. Barbeau
20341 SW Birch St Suite 330
Newport Beach, California 92660
(949) 637-8190 cell
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FREE CONSULTATION
BEFORE YOU APPLY (949)784-9699
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Start the financing process
with a free consultation.
I suggest we fine tune your
credit before you need to close, as FICO score determines a piece of the
pricing. Next we will review comparable sales in your target property and
look at the net income you show on Federal Tax returns in the past years.
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Confidence, honesty, security, in your own home.
NMLS# 324982
(949) 637-8190
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Costa Mesa, Dana
Point, Laguna Niguel, Lake Forest, Newport Beach, Mission Viejo, California
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P
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HOMEWORK
LIST:
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Documents You Will Need to Start:
IRS Form 4506-T
— signed and dated
Pay stubs covering
the last 30 days with year-to-date information included (all jobs and
applicants)
W-2s for the past two years
Federal tax returns (1040s) for the past two years
Asset / Bank statements — Past two months' statements all
accounts & pages no online printout We will discuss explanations for
late payments, collections, judgments documentation for any large deposits
on asset statements
Other
Hazard (Homeowner's) insurance information including agent's name
and phone number
Purchase contract — signed by all parties (fully executed)
Gross Income
Total income
earned before taxes and other deductions.
Wells Fargo, Bank of America. J P Morgan Chase make no representations or
warranties as to accuracy or completeness of information and assumes no
liability for use of this information.
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Additional Self Employed Documents.
Federal tax returns (personal as well as business returns) — complete copies for the last
3 years
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| Read my 100 tips to raise your FICO score before
you apply. Do not go pull your credit report the report you run may not be
the same as a mortgage report. Ask for it for free. |
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2012
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#
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AT Last One Stop
to find a mortgage, be referred to shop for insurance, foreclosures,
construction, and home care
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| “I serve you with knowledge, kindness and
attention to detail.”
C. G. Barbeau (949) 637-8190
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I encourage you to shop for your homeowners insurance
annually and review coverage. Most borrowers choose an insurance agent and
never change, not realizing if the agent is still handling their policy
until they have a claim. Having an agent you trust is important when you
have damage.
Top home improvement items that increase value for dollar:
Adding bedroom or simple bath square footage
Front door hardscaping
Neutral paint
Worst for the dollar:
Pool, kitchen, and rear yard because these are
expensive and very personal to taste
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Thirty Year Fixed Rate Mortgage
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Most borrowers today want a low thirty year fixed rate
mortgage. Perhaps this is the very best choice for you. It is useful to
look at certain life conditions that may fit this theory: stability and no
surprises ahead are the reasons why this is likely the right thing for
your family. There is not a great difference between the fifteen and
thirty year interest rates, but the payment for a fifteen year is
considerably higher. Often you are better off choosing the 30, and making
a 15 year payment as long as you are able. Life seems to always bring
unexpected changes.
Although much negative press has been distributed
about ARM or Adjustable Rate Mortgages, those who chose those today find their
rates in the low 3’s and can double up on principle while the rate is low.
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2012
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Conforming,
Jumbo, super jumbo, VA, FHA, Construction, Land Loans, Commercial, HOME
EQUITY, CASH OUT, No Cashout
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| “Ask me why I no longer work directly for bank after 22
years being inside: customer service is not in a bank’s plan. Customers
for life are my goal.” |
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We
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