Why Get Pre-Approved?

Before beginning the home search, it's best to know what your budget is. The only way to know for sure is to have a conversation with a trusted lender and then follow through with an application. This will determine your budget. With that, your agent can set you up to receive listings that are specific to your needs and budget. 

 

Choosing the right lender should not always be about the best interest rate. Sure it's an important factor, but there are many important factors that should go into making this decision. You need to be confident your lender will get you to the finish line and be able to meet all requirements that are expected from you, the Buyer, so you can close on time. The inability to do so could result in you losing your dream home. Jen has worked with Mark Peppler of the Gaylord Hansen Mortgage Team for the last 7 years. Most of her buyers use their services and have continued to use them on refinancing and further purchases. This is always a huge selling point for us when we are presenting our offers to Listing Agents. We are able to say in confidence that we can meet the required deadlines and close on time, if not earlier. The Gaylord Hansen Team has funded well over $1.5 Billion in loan volume since inception and has worked with hundreds of local agents here in San Diego. Their reputation in the San Diego area puts Listing Agents at ease and has been a huge contributing factor with getting our buyers' offers accepted. In addition to a concierge customer service, you can also expect great rates. If you’ve already been pre-approved, don’t be shy. Make sure to let them know and they will be happy to do their best to beat the rate you’ve been quoted. We have also personally used their lending services and are always happy with the experience! The GH Team offers Jen's clients the choice of a $2,000 credit or the option of waiving the lending fee of $1,440. You get to pick which is right for your situation. VA Buyer? Rest easy, this team is very well-versed with the VA Financing process. Read below for some tips on factors to consider when looking for a lender or APPLY HERE NOW.

 

What documents are needed to apply for a mortgage?

Needs List For "Salaried or Hourly" Buyer

  • Last 2 years of your W-2's
  • Last Year's Federal Tax Return (all pages)
  • Pay-stubs covering the last 30 days of pay
  • Last 2 months of your bank statements (Checking & Savings)
  • Last 2 months of the account the down payment will come from (not applicable for VA financing)
  • Last 2 months of any additional asset accounts (stocks, bonds, 401k, IRA, retirement etc)
  • Recent Mortgage Statement(s) for any additional properties owned
  • Photocopy of your Driver's License

Needs List For "Self-Employed" Buyer

  • Last 2 years of your Personal Federal Tax Returns (all pages)
  • Last 2 years of your Business Federal Tax Returns (all pages & schedules)
  • Last 2 months of your bank statements (Checking & Savings)
  • Last 2 months of the account the down payment will come from (not applicable for VA financing)
  • Last 2 months of any additional asset accounts (stocks, bonds, 401k, IRA, retirement etc)
  • Recent Mortgage Statement(s) for any additional properties owned
  • Photocopy of your Driver's License

 


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