LOOKING FOR A NEW HOME?

There's nothing I take more seriously than helping people find new homes they love. That's why I have access to the Multiple Listing Service (MLS) in all of south central Wisconsin, keeping you informed of new listings from virtually any MLS Company. I'll also spend time learning your personal real estate needs, based on:

•  Preferred price range
•  Style of home 
•  Area(s) you want to look in
•  Extras you would like  
•  Mortgage qualifications 
•  Preferred down payment
•  Preferred monthly payment
•  Types of financing that are available to you 

WHY SHOULD I GET PRE-APPROVAL?

Getting a pre-approved mortgage is a great way to get started. With a mortgage approval, you will be in a better position to negotiate with sellers. You will also be able to close on a property quicker than other buyers. This shows the seller how serious you are about purchasing, and it will make the seller more comfortable working with you. In a "seller's market," or where supplies are limited, a pre-approved mortgage is essential.

WHAT DO I NEED?

If you decide to apply for a mortgage, you will need to supply information in regards to your income, expenses, and obligations.  A full list of the items you need to bring is below.  Got bad credit? That's okay. Many lenders will help you find a solution to your credit problems. I work with various mortgage companies that can help you.

Data Needed For Loan Application

Employment HistoryFinancial Info
• Copies of last 2 yrs W2's (usually their attached to your tax return)
• Copy of most recent paystub
• Copies of 2 yrs tax returns for self-employed borrowers, sales rep & commissioned people
• Statement from courthouse showing child support payment
• Award letter from Social Security or Perm. Disability
• Copies of  last 3 months bank statements. ( savings, checking & credit union accounts )
• Stock Certificates or Bonds (if used for closing)
• Gift from relative: Will need a letter from donor & verification of donor's account that holds the funds for the gift
• Purchase contracts on sale of present home and/or relocation agreements for transferee

 List of Creditors Miscellaneous
• Name and account numbers of all credit cards
• Name, address & acct. numbers of all loans (auto, student, personal)
• Recent 2-year history for a present mortgage: Name, address & account numbers
• Recent 2-year history for rent: Name & address of landlords
• 2 year address history for each borrower
• Copy of canceled earnest money check
• Divorce Decree
• Copies of leases if rental property is owned by the borrower 
• Application fee- If any. 

FHA/VA
• Loan-Name and address of nearest living relative
• Photo ID and Social Security Card
• VA Certificate of Eligibility & Copy of DD214 (Discharge Papers)