"Joe Specific" documents

These forms are provided to you so that you may obtain useful information from them as well as to help with the efficient processing of your loan request. To access these forms, you will need to contact me direct for your own secure password.

Form descriptions:

Purchase check list: This document is meant to help you understand the types of documents that can be requested from you to document and substantiate your loan request. As each customer's loan criteria and financial information somewhat varies, so too will your own personal check list. The loan program you choose & the state in which you live may also have an impact on this list as well.

Closing check list: This document is meant to help you understand what types of documents you might need to have available and with you at your closing. Again, every customer's loan is unique to them, so the items needed for you to bring to your own closing may be different than what is listed here. The loan program you choose & the state in which you live may also have an impact on this list as well.

General Authorization form: This form allows me to verify your credit , income and asset information. I will go over this in more detail when we speak.

How does the 5/1 A.R.M. work? This form is another informational piece that was made by me to help the average everyday borrower better understand how this loan, as well as how the 3/1, 7/1 & 10/1 A.R.M. loans work. Most borrowers get confused by the not easily read official A.R.M. disclosures, which seem to have been drafted by a team of attorneys. I still provide any of my borrower's the official A.R.M. disclosure(s), once they have a loan application in process with me. Yet I thought you would find value in what I have presented here. One final item to note; the margin, index and caps can be different, depending upon the loan program and borrower's qualifications.