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For the busy people, this is simply the best way to get started.  Quality one on one time answering all your questions as we go.  Confidential and no Judging

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For those that have time, meeting one on one in person always adds that extra confidence through meeting your CMG Team and Loan Officer in person

A Summary application basically just enough information to get started.  This can be emailed or faxed for your convenience

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This is a new Online Application that links up securely with our new software package called Encompass.  For your convenience your application could not be better.  Rolling out sometime in 2007

Now lets get our Documents needed for qualification.

As you can imagine qualifying at times may seen complicated and intrusive.... well you are right!  But getting organized early in the process helps a ton.  Underwriters are looking for reasons to give you a loan, after all that is how they get paid.  So the more documentation you can support in your favor the better the reflections. 

Below is just a list of some of the basics.  Not all will apply to everyone so just gather the documents that apply to you.  It is best  to make copies of these for your Loan Officer within a day or two after placing your application.

Just some of the things your Underwriter may ask for.

W2's

Last 2 years W2 Forms from your Employer

Pay Stubs

Last 30 days Pay Stubs from your Employer

Bank Statements

Last 2 Months Bank Statements

Insurance

Declaration Page from your Homes Owners Policy

Investments 401K

Quarterly Statement of any investments, 401K, or retirement accounts.

Bankruptcy

If BK in last 7 years, a copy of your Bankruptcy papers will be needed

LOX

Letter Of Explanation for BK or any Slow Credit or late pays

Divorce Decree

Copy of your divorce decree

Self Employed

Last 2 years Full Tax Returns