Thank you for applying. 

I look forward to working together. 

The loan process is confusing enough as it is when you don’t know what to expect.

 

I will help you understand the loan process, in turn making it less confusing.

Kurt Goetz

Senior Loan Officer

Step 1 – Click on the START HERE button to create your personal login and complete the on-line loan interview.

 

Step 2 – Once you have completed your on-line loan interview, on the left side you will find your MY UPLOADS area where you can securely send the documents needed below to my office to finalize your pre-approval.

Enter your cell number on the left to be sent the Mortgage Power App download link, and have everything you need in the palm of your hands.  My Smartphone App allows you to not only keep on top of your loan on-line, but access directly on your phone.

 

Mortgage Power additionally allow you to:

  • – Full Calculator Suite
  • – Receive instant notification when your loan changes status
  • – Your loan details
  • – Status of documents needed to close your loan
  • – Scan documents directly to my office

Homebuyer Checklist

FOR ALL LOAN APPLICATIONS:

 Paycheck stubs for the last 30 days

 

 W-2’s and income tax returns for the last two years

 

 All pages of your last two month’s bank statements for all checking and savings accounts

 

 All pages of your most recent investment account statements (stocks, bonds, MM)

 

 Copies of the most recent monthly or quarterly account statements for any retirement accounts 401(k) plans, mutual fund accounts and/or IRAs

 

 Copy of Driver’s License

IF YOU ARE APPLYING FOR REFINANCING, YOU WILL NEED TO PROVIDE COPIES OF:

 Most recent mortgage statement/bill

 

 Your homeowner’s insurance company agents name and phone number

 

 HOA Statement (if applicable)

YOU MAY OR MAY NOT BE REQUIRED TO PRODUCE ONE OR MORE OF THESE DOCUMENTS:

If you have rental properties:  Copy of the current lease agreement with tenant

 

If self-employed: All pages and all schedules of last two years’ personal and business tax returns plus YTD P&L

 

If you have already made an offer for a home: Copy of the signed Real Estate Contract

 

If you have sold your previous home:  Copy of Final Closing Statement Settlement Statement from sale of the home

 

If you pay/receive alimony: Copy of full divorce decree or separation agreement, including all pages, schedules, exhibits, and addendums`

 

If you have ever declared bankruptcy: Copies of all Bankruptcy Discharge papers and list of creditors

IF YOU ARE APPLYING FOR A VA LOAN:

 Copy of form DD214

 

 Name and contact of your nearest living relative

 

 Disability information (if applicable)

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