When starting your loan application, there are some required documents. Income • Paystubs (last 30 days) • W2’s and 1099’s (past 2 years) • Personal tax returns (past 2 years) • Self-employed – YTD P&L and Balance Sheet • Other income- Award letters, annuity statement, etc. Assets • Bank statements (most recent 2 months) •…

If you’re thinking about purchasing your next (first) home, here are some tips to keep in mind: • Make a list of what’s important in your new home search • Know your financial boundaries and stick to them • Don’t make any big purchases until you’ve closed on your new home • Research neighborhoods •…

Buying a home is exciting because you get to see all of your dreams becoming a reality. There are so many options when purchasing a home and there are a few factors that go into how your mortgage is calculated. Factors that go into your monthly mortgage payment include your loan amount, your interest rate,…

Although it’s typically to find a Realtor first when purchasing a home, it’s equally important to find a Lender. A Lender can help you get pre-approved if you are qualified and ready to buy a home. There are many benefits of being pre-approved for a home loan. Being pre-approved allows you to understand how much…

During the busy summer months, people often forget about keeping up with the maintenance around their home. Here is a checklist to keep you on track: o Clean outdoor patio furniture and grilling items o Check the driveway for cracks o Control weeds in outdoor spaces o Replace air filter o Make sure there are…

Our AMEC Express Program combined with our Closing Guarantee will give you peace of mind knowing your loan will close and you can move into your new home as scheduled. The Express Approval focuses on the top two items that cause delays in our industry, credit and income. With the Express Approval the buyer’s credit…

Are you thinking of buying a house? Here is an important list of items to keep in mind before buying a house: • Save for a down payment • Review your credit history/improve your credit • Do not purchase any big-ticket items on credit • Get a written pre-approval Why is it important to get…

Are you thinking about buying a home but aren’t sure it’s possible? FHA Loans are great loans for people looking for lower down payment requirements and flexible qualifications. They can offer you: • Low down payments • Fixed and adjustable rate options • Ability to use monetary gift for down payments and/or closing costs from…

There are a lot of factors that go into how your mortgage is calculated such as how much of a down payment you have, your interest rate, and mortgage insurance. Contact us today to help find out how much house you can afford.

Your path to purchasing a new home can often times be hard to define. Let our experience and knowledge work for you! We are here for you each step of the way. Let us help you take the first step down the path to home ownership by getting pre-approved for a home loan.