Things aren’t what they used to be when it comes to getting a home loan. When I bought my first house I went to a banker who knew me, shook his hand, and Poof, I had the money to buy the home of my dreams!

Things have changed in recent years due to so much fraud and default of home loans back in the 2008 era of lending when people did not have to show income documentation and had poor credit but could still obtain a home loan. More documentation is now necessary to prove you are ready to take on this responsibility.

You are probably thinking that the loan application is merely a static action-or a “snap shot” of your financial picture at this given moment in time. I am here to let you know that it is just not that simple. Whether or not you shop for your home loan on the internet or work with a local lender, the process can be detailed.

A credit decision is based on a review of EVERYTHING you have done over the past years as well as EVERYTHING you do right up until the day of closing.

I am a professional with 25 years of experience in lending, to GUIDE you as you NAVIGATE The Home Loan Process….so feel free to call me - I have the tools and can help you! This is a time when the internet doesn’t have all the answers!



Lending Consultant                                                                                                                                     719-229-7999