Mortgage Loan Services

Get Excellent Home Loan Options

Let Yoandra Lopez, Licensed Loan Officer help make things simpler for you when you're trying to secure a home loan. Since 2020, we've been helping homebuyers by offering the greatest home loan options possible. We've withstood passing trends and stayed true to our core competencies. You can rely on us to provide the knowledge and quality service you deserve.

Excellent Mortgage Services

At Yoandra Lopez, Licensed Loan Officer, we offer the best mortgage services in the business and aid numerous homebuyers and homeowners in locating financing options that suit their requirements. Building and nurturing connections that endure long after you receive the keys to your house or finish your refinance is the foundation of our reputation.

We provide a wide range of lending alternatives, whether you're buying a new house or refinancing your existing mortgage. To get started, speak with one of our knowledgeable loan officers right away. Call us today!

Applying for a loan

When applying for a mortgage loan, you typically need to provide several

documents to the lender to verify your financial stability and creditworthiness. While specific requirements may vary depending on the lender and the type of mortgage you're applying for, here is a general list of documents often needed:

     1. Proof of Identity:

• Driver's license or passport

     2. Proof of Income:

• Recent pay stubs
• W-2 or 1099 forms for the past two years
• Tax returns for the past two years (especially if you're self-employed)

     3. Proof of Employment:

• Employment verification letter
• Contact information for your employer

     4. Proof of Assets:

• Bank statements (checking, savings, and any other accounts)
• Investment account statements
• Retirement account statements

     5. Credit History:

• Authorization for the lender to pull your credit report.

     6. Down Payment Verification:

• Statements showing the source of your down payment funds.

     7. Debt Information:

• Information on current loans and debts
• Credit card statements

     8. Property Information:

• Purchase agreement (if available)
• Property listing details.

     9. Proof of Residency:

• Utility bills
• Rental agreements

     10. Gift Letters (if applicable):

• If part of your down payment is a gift, you may need a letter from the gift giver confirming it's a gift and not a loan.

     11. Self-Employment Documentation (if applicable):

• Profit and loss statements
• Business tax returns

It's important to note that specific requirements can vary, and your lender may request additional documentation. Always check with your lender for their specific requirements and guidance. Providing complete and accurate information helps streamline the mortgage application process.