Recommended Lenders
Recommended Lenders
All of my clients are encouraged to choose the mortgage lenders who are most suitable for their wants, needs, and specific situation. However not all lenders or lending institutions are created equal, so my "go to" lender (ahem, closers) are listed below! These are the companies that I have been working with for years. I believe their experience, extensive knowledge and the honesty that they pair with impeccable customer service consistently provides satisfactory results for the consumer.
STOCKTON MORTGAGE: Residential & Construction Loans
US MORTGAGE: Commercial & Land Loans
There are many different types of Loan Options, which one is best for you?
Watch This Quick Video to get the Gist of Down Payment and Loan Options!
Be proactive! Here’s a checklist to prepare you for what is expected during the mortgage process!
- Personal documents
You’ll need two forms of government-issued ID, your social security number, divorce papers if applicable, as well as proof of ownership of other property. - Review your credit report
You should be able to do this free of charge. Be sure to dispute any errors or provide an explanation for late payments or derogatory items. Then, keep your credit score healthy by avoiding any new credit inquiries with any creditors. DO NOT CLOSE ANY ACCOUNTS without talking to your lender first. Doing any of these things could potentially lower your credit score. - Tax returns
You’ll need to provide tax returns for the previous year, and potentially for the last two years. - Proof of income
Gather W2s, paycheck stubs, 1099s, or a year-to-date profit and loss statement if you’re self-employed. You’ll also need to show other income sources such as Social Security, child support (and proof children’s ages), or government assistance. - Proof of assets
Provide bank statements, mutual fund statements, account balances for retirement accounts, 401Ks, IRAs, and any money held in the stock market. - Debt summary
You’ll need to provide a summary of your debts, monthly payment amounts, child support payments and balances for credit cards, student loans, car loans, other property loans. - Financial issues
You may need to provide a written explanation if you’ve had bankruptcy or other financial issues in the past. - Down payment and closing money ready
Have these funds ready in your bank account. If you received this money as a gift, you might need to provide a letter from the gifter explaining the gift is not a loan. - Renting
Compile proof for the past year with canceled checks or money orders to show rent was paid on time. - Mortgage pre-approval
Complete an application with your lender and start shopping!
