We are a local Colorado based mortgage company. We have been in business for over 16 years. Leveraging our network of 85 wholesale lenders we are able to offer our clients rates that are unbelievably low at very nominal to no closing costs. We get loans done fast and with no hassle. Even though our rates are wholesale, our service is definitely retail. Now you can have it all, wholesale rates, retail service
Mortgage checklist
For your purchase mortgage application you will need
Sequential pay stubs for most recent 60 day period.
Social Security Reward Letter if applicable
Retirement income documentation if applicable
Personal tax returns all schedules for the year 2022 and 2021.
Business tax returns all schedules for the year 2022 and 2021 if ANY.
W2s for all jobs in the last 2 years.
1099s for self employment worked during the most recent 2 year period or any other significant income.
Color or legible black and white copy of the front of your driver’s license.
Copy of social security card.
If you currently own Real Estate:
Current copy of mortgage statement showing account number
Annual home insurance policy information including payment and due date
Annual property tax information
Property owners association monthly payment statement
Sequential bank account statements for bank accounts to be used for down payment. Provide all pages including the blank and preprinted ones. If page one says page 1 of 6 then we need 6 pages. We need these for most recent 2 months.
Name and telephone number of your property insurance agent if selected.
Name and telephone number of your landlord or rental management company if ANY.
Purchase Contract, Amendments, Counter proposal, copy of cancelled Earnest Money check when available.
For your refinance mortgage application you will need
Sequential pay stubs for most recent 60 day period.
Social Security Reward Letter if applicable.
Retirement income documentation if applicable.
Personal tax returns all schedules for the year 2022 and 2021.
Business tax returns all schedules for the year 2022 and 2021 if ANY.
W2s for all jobs in the last 2 years.
1099s for self employment worked during the most recent 2 year period or any other significant income.
Color or legible black and white copy of the front of your driver’s license.
Copy of social security card.
For all currently owned Real Estate:
Current copy of mortgage statement showing account number
Annual home insurance policy information including payment and due date
Annual property tax information
Property owners association monthly payment statement
Sequential bank account statements for bank accounts to be used to wire funds to close and for reserves. Provide all pages including the blank and preprinted ones. If page one says page 1 of 6 then we need 6 pages. We need these for most recent 2 months.
Name and telephone number of your property insurance agent.
Copy of your note and deed of trust from your most recent real estate or refinance closing on subject property.
Copy of your HUD-1 settlement statement or Closing Disclosure from your most recent real estate or refinance closing on subject property.