Century 21 Showcase

Mortgage Planning and Consultation

There are many loan programs and guidelines from which to choose.  It is our job to find the right products that will work best for you and your situation and develop a strategy specifically to meet your needs

The first step to finding your new home is to get Pre-Qualified For A Mortgage.  We will need some basic information from you, and then we can provide you with a Pre-Qualification Letter that your agent can present with any offers to purchase.  This shows the seller that you are serious and qualified to purchase their home.  A pre-qualification letter also sets a guideline for the price range in which you should be shopping. 

                                    Get Pre-Approved Now

When you are ready for assistance with your mortgage planning, be prepared to provide the following information:

• Complete Loan Application
• Credit Authorization Form
• Copy of Driver's License and Social Security Card
• Most recent Pay Stub showing year-to-date for last 30 days
• Last two years W-2's / 1099's
• Last two years 1040's (Last 3 years if qualifying for first time homebuyer program)
• Two months statements for all bank accounts and investment accounts (all pages)
• Verification of Assets (IRA's, CD's, 401K's) all pages
• Verification of cash to close / gift funds (proof of donor's ability to pay / copy of statement)
• Two year employment and residency history for all borrowers
• Copies of divorce or BK paperwork (all pages and schedules)
• Explanation and Documentation on all derogatory credit
• If you have rental proprty, proof of property insurance & real estate taxes
• Copies of mortgage statements ad rental agreements on investment property

 At Tri City Financial we appreciate the opportunity to assist you with your financing needs.  Although the process can be stressful, we will try to simplify things as much as possible.  We encourage you to call us right away if you have any questions during the process.

We look forward to the opportunity to provide you with excellent service.

The Tri City Financial Team