The Bigger the Better; not necessarily the case.

If you are shopping for a home loan and think you must use one of the largest and biggest branding banks on the corner to get the best rates...this is not the case.

Bigger buildings and more advertising can create higher costs. As we have learned from the past...no one is too big to fail!

Sometimes the little guys can offer you a better rate and more personalized service.

You may not care about more personalized service, until it comes to an issue that needs extra care to get your deal done. We do that, and we sincerely care about your loan process and you.

Loyalty Home Loans Inc. is a brokerage for many wholesale lenders and can offer very competitive rates.

If a big bank is saying "no", it doesn't mean you can not get a loan. It just means the big bank can not provide what you need. Give us a call.

Looking and comparing is your best strategy, and we would love to help you.

9069 SE Bridge Rd, Hobe Sound, FL 33455

561-246-9586

Powered by Edge Home Finance NMLS 891464
4510 W. 77th St. #380, Edina, MN 5435

Cindy Chaisson NMLS 1385534

Beginning Loan Obedience Class

Sit, Down, Stay; loan obedience class

Preparing to get a home loan requires some obedience classes...similar to sit, down, and stay for a dog.

SIT

Sit down and design your goals. 

The type of home (square footage, lot size, style, neighborhood, location)

The purchase price of your new home

The down payment you desire.

Time frame (what date do you want the keys to your new home?)

I can help you pinpoint the home price that will fit comfortably into your goals.

DOWN

Download the documents that you will be needing to upload to your loan originator (that's what we are called these days)

W-2 forms (2 years)

Tax Returns (2 years)

Pay Stubs (Collect one month)

Bank Statements (all pages for 2 months)

Anything incorrect on your credit report that needs documentation

(annualcreditreport.com or Freecreditreport.com are a great place to get a "peek" at your information, but don't be surprised when the credit pull for a mortgage has some more detailed information.  

STAY

Stay focused and keep your eye on the ball...don't let distractions keep you from your goal.

The key to good training (in dogs, and anything) is timing.... being concise with your goals, and efficient with your documentation presentation will lead you to the best outcome..........fetching the home and loan that meets your goals!

Call me to learn loan obedience of Sit,Down, and Stay.

Cindy Chaisson

Florida and California Licensed Originator NMLS #1385534

9069 SE Bridge Rd, Hobe Sound, FL 33455

Powered by Edge Home Finance NMLS 891464
4510 W. 77th St #380, Edina, MN 55435