I would highly recommend contacting Tricia Rieth. She is a Senior Loan Consultant at Baird and Warner Financial Services and works closely with the agents in our office to make sure customers like you are given quality advice. Her cell is 847-312-4202.
Donna Larrabee, Broker
Baird and Warner
Please feel free to contact me; I am a Mortgage Consultant in the Crystal Lake, IL area.
I will be happy to help you evaluate your loan potential and help you choose a program that might be right for you. If you have everything in order when we communicate, you'll save a good deal of time. You should have: 1) social security numbers for both you and your spouse, if both of you are applying for the loan; 2) copies of your checking and savings account statements for the past 6 months; 3) evidence of any other assets like bonds or stocks; 4) a recent paycheck stub detailing your earnings; 5) a list of all credit card accounts and the approximate monthly amounts owed on each; 6) a list of account numbers and balances due on outstanding loans, such as car loans; 7) copies of your last 2 years' income tax statements; and 8) the name and address of someone who can verify your employment. Depending on the outcome of this evaluation I may need to ask for other information.
This process will help you determine if you can get a loan also known as, pre-qualified to apply for a mortgage before you actually start looking for a home. Then you'll know exactly how much you can afford to spend, what type, what terms of a mortgage product you would qualify for and it will speed the process once you are ready to find a home.
Wintrust Mortgage Helping You with Your Mortgage Essentials
Contact a mortgage Broker or local lender to determine how much you would qualify for a loan. The will ask you to provide your work history, income, possibly your recent bank statements, and also will run your credit report in order to see what you could comfortably afford.
Prudential Connecticut Realty