MortgageConsumer.com

home loan CastaicMortgage Pre Approval

Approved for a new home loan. Getting Pre Approved for a Home Loan Castaic before shopping for a new home is very important. You will know there is a loan approved for you and what your budget can afford. We are a mortgage banker with over 23 years of experience helping buyers get a mortgage and the home of their dreams.

To get pre approved for a new home loan it requires you to get together the following documents:

  • 2 years tax returns
  • 2 years W2’s or 1099
  • 2 recent paycheck stubs from each person on the new loan
  • Photo ID from each borrower
  • 2 months of all pages of all bank accounts

With the above, a mortgage professional can determine your income, credit status and issue a pre-approval for a new home loan Castaic. You can use our handy mortgage payment calculator Castaic to assist your planning.

 

Once you submit a home loan application, the lender will review it and let you know if any other documents are required. Be sure he runs a DU approval. The DU approval is Fannie Mae’s system that does automatic approvals and let’e the lender know what will be needed to conform to Fannie’s guidelines.

Mortgage Rates Castaic

If you are getting a mortgage Castaic then rates will be of big concern to you. As rates go up and down it will affect the estimated payment. The payment estimate is used to calculate your debt to income. If mortgage rates Castaic go up, the higher payment may result in the loan being denied on DTI.

Once the loan is underway the lender will order an appraisal. That will establish the Value and the basis of the loan amount. The pre-approved home loan Castaic letter the lender provided early had an estimated value. This will confirm what it is exactly.

As one of the #1 home loan lenders in the country, we pride ourselves on helping you quickly thru the mortgage process. Getting a Home Loan Castaic  can be a struggle but with our experts advice it is made easier.

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