 5/10 Good --- activerain.com http://activerain.com/blogs/mymirela/rss
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Monday, September 22, 2008 --- 57 days ago http://activerain.com/blogsview/701675/Want-your-Mortgage-Loan
 Via Jason Sardi, Pennsylvania Mortgage Broker : How fast your loan closes is often up to you. I tell folks two things these days and both can result in great opportunity. There is an abundance of inventory (houses) in most markets and the money (interest rates) is still cheap. That said, Lenders & Banks are combing through files with a fine toothed comb these days; everything has to be pretty much perfect. No more of the days of throwing things against the wall, lax & scattered documentation, or loan files that are missing this or that or that other thing they are asking for, other than that blood sample;-) So, if you aren't informed... it's time to become such. You, the consumer, have more power than you think in your mortgage loan closing sooner rather that later. Create a file, whether you are a renter or current homeowner, of the things I will mention below. When the time comes to buy a home or refinance the one you are already live in, it will make your life that much easier. If you are looking to refinance, only a few things from the first few lines apply to you... * Last 2 years W-2's and 2 most recent pay-stubs * If you are a renter, have your Landlord's name, address, and phone number handy. Make sure you have that info for the last 2 years of your rental history. * Make sure, if you are renting, to pay your rent by check. Keep copies of your last 12-24 months of cancelled rent checks. This gives you a documented housing hist ... |
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