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Frequently Asked Questions
- Can I use cash deposits?
- Can I take a cash advance on my credit card?
- Can I deposit checks from sources other than my payroll check into my account?
- What about transfers into my account from another account?
- What do I do if I have already received money in my account?
- What other things does the lender look for on account statements?
- When do I need to have my down payment?
- What is required for gift documentation?
- My agent is writing my offer this afternoon and I forgot my checkbook. Can my girlfriend (or mom or brother or friend) write the earnest money check for me and I can pay them back?
- I don’t have enough money in my account for my earnest money. Can I write a check from my credit card account?
- Will my earnest money count toward my down payment?
- Do I always get my earnest money back if I don’t purchase the home?
- What other expenses will I have to incur in addition to what is on the closing cost estimates provided by my loan originator?
- What could I do on my credit that would jeopardize my loan approval?
- What if I want to change jobs just before or during loan application?
- My job is good through the closing date and 1 week after closing, I have a new job. Is that OK?
- I haven’t filed my taxes for this year (or previous years). Can the lender use the last two years that I have filed?
- I just filed today and the IRS can give me a printout that I filed. Will that be sufficient to close the loan.
- When I go to closing, how do I provide my funds?
- Who attends the closing and how much time do I need?
- I can’t attend the closing and I want to use a Power of Attorney (POA)?
- What will the lender check the day of closing?
- You have a large amount to put towards the principal balance on your existing loan and you want the principal application to reduce your monthly payment
- How do I start the process?
- What do I need for the pre-qualification process?
- Once I pre-qualify, what is my next step?
- How much of a down payment will I need?
- What if I don’t have a down payment?
- What is Mortgage Insurance?
- Is there specific documentation I will need to gather for the loan process?
- How long does the loan process take?
- Which loan option is best for me?
- How do I know which company or loan officer I should go with?
- To reduce your interest rate
- To take cash out of the equity in your home
- To shorten/lengthen the term on your mortgage
- To remove a borrower in a divorce/partnership situation
- To consolidate a first and second mortgage into a single loan
- To remove mortgage insurance
- Switching from/to an ARM
Staff
- Lana Jern
- Jason Kauffman
- Jason Henkel
- Barb Van Horn
- Nicole Reed
- Rocque McKinney
- Jason Smith
- Dustin Moffat
- Vanessa Moreno Mares
- Ashley Carlisle
- Erika Johnson
Posts
- I’m a Veteran. How do I get a VA loan?
- Mortgage Insurance – Why do I need to have it and what is it good for?
- What is a Debt-to-Income Ratio?
- How to leverage your current equity to buy another home
- Mortgage Wire Fraud: How to Protect Yourself
- How do I know if I should refinance?
- What is an Escrow Account?
- Adjustable Rate Mortgages (ARMs): How they can work for you
- What is a Jumbo Loan?
- Non-Qualified Mortgages (Non-QM)
- What is a Conventional Loan?
- FHA Financing: Is it right for you?
- VA Loans: Understanding the Benefit You’ve Earned
- How To Get A Mortgage Preapproval
- The Home Buying Process: A High-Level Overview
- How Much Do You Need For A Down Payment?
- Mortgage Prequalification vs. Preapproval – What’s the difference?
- Why waiting to buy a home might cost you more money
- How buying a house can lower your taxes
- Basic Mortgage Calculator