• Before You Apply

  What to do to prepare up to a year in

  advance of your mortgage application.

• Can You Trust Your Loan Officer?

  Who does your loan officer work for,

  and how do you find the best one?

• Lender, Broker, or Bank?

  What type of loan Provider is right for

  you?

• Types of Loans

  The types of mortgage loans and

  their advantages and disadvantages.

• Types of Documentation

  Your options for disclosing how much

  you make and where it comes from.

• Underwriting

  What does an underwriter look for

  when analyzing your loan application?

• Pre-Approval

  What it is and isn't and how it saves

   you time and heartache.

• Credit

  What it is, and how it affects your life.

• Income & Employment

  How much you need to make and for

  how long in order to qualify.

• Down Payment/ Assets

  How much, where from, and what kind

  of money will work.

• Down Payment Assistance

  Short on funds?  Learn about your

  options and explore these resources.

• Processing

  What happens to your application after

  you sign it and before you close?

• Title

  What is it, what does it mean, and how

  does it work?

• Appraisals

  What is your home worth, why you

  should bother  to find out, and how

  does it affect your loan?

• Alternate Financing

  Facing rejection?  Time to get creative.

• FHA

  Low down payment, forgiving

  qualifications.  A great loan option.