My online application is going to ask you questions about the home you're looking to purchase. Things like the property address, type of loan, actual down payment, purchase price, etc. You may not have this informatoin yet. So. for now, just answer the questions with estimates (for property address: "1234 TBD Street" would be perfect!). Just get us the basics to get started, we can fill in the blanks later on!
2 - DO Complete A Full Two Year Work History!
It's important that we have a full two year work history for you. If you're not certain on the addresses or phone numbers, don't worry. We can go through and update it later. For now, we just need to know (1) Where you worked, (2) When you worked there, (3) What you did while working there and (4) Your income.
3 - DO Complete A Full Two Year Address History!
It's also important that we have a full two year history of where you've lived. If you're just shy of 2 years at your current home, please add the home prior as well.
4- DON'T Worry About Including Your Account Numbers
Please don't get caught up in the details of entering account numbers for your bank accounts. We just need to know what banks you bank with and what the balances are (roughly). Same for 401k, money markets, etc. We'll complete the other details later on in the process.
5 - DON'T Worry About Listing Off Your Monthly Expenses!
Part of the application process is pulling a credit report. We will get your expenses from that credit report. The only exception to this would be things like child support, alimony or if you have just paid off some debt that my not reflect on the credit report. Everything else is handled with the rest of the application process. No need to spend a lot of time on this part of the application.
Strategic Mortgage, LLC
2564 Washington Blvd, Ogden UT 84401
NMLS# 2383709
801-628-7667
Ron Pippin NMLS# 218333
*A pre-qualification is not an approval of credit and does not signify that underwriting requirements have been met
*Pre-approval is based on a preliminary review of credit information provided to Fairway Independent Mortgage Corporation which has not been reviewed by Underwriting. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, income information, and a satisfactory appraisal.
Strategic Mortgage, LLC is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Strategic Mortgage, LLC will never be discouraged on on the basis of race, color, religion, national origin, sex, military status ,marital status, age, or because you get public assistance. All information we request is voluntary, and will be kept confidential. For more information on the ECOA, please visit:
http://www.ftc.gov/bcp/conline/pubs/credit/ecoa.shtmPrivacy PolicyTerms & Conditions
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