First Time Homebuyers
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1 First Time Homebuyers Presented By: Rich Goodwin, Vice President of Mortgage Lending Copyright Guaranteed Rate. All rights reserved.
2 Our Competitive Advantage Fast and transparent mortgage process In-house underwriting and closing hour underwriting turn times Full product offering with top lending institutions FHA loans and in-house FHA underwriting FHA/FNMA in-house condo approvals Full FHA 203(k) department VA & USDA loans Jumbo financing experts Online application fast, free and easy 2 Copyright Guaranteed Rate. All rights reserved.
3 Programs Available First time home buyer programs FHA, VA & USDA Loans Conventional Fixed & Adjustable Rate Mortgages Jumbo loans 3 Copyright Guaranteed Rate. All rights reserved.
4 FHA Loans Ginnie Mae direct lender Lower down payment only 3.5% required Gift funds are allowed for down payment More flexible credit guidelines make it easier to qualify Lower Minimum 600 FICO score, no income restrictions Competitive market rates Non-Occupying co-borrowers allowed Available for single family and multi-unit homes Not just for first-time home buyers 4 Copyright Guaranteed Rate. All rights reserved.
5 VA Loans ZERO down payment is required in most cases NO monthly Mortgage Insurance Relaxed credit standards No income caps Generally no reserves required Flexible underwriting with expanded debt ratios Seller or other parties may contribute to closing costs IL Heroes Welcome Home Program - $10K in down payment 5 Copyright Guaranteed Rate. All rights reserved.
6 Conventional & Jumbo Loan Programs Conventional Fixed & Adjustable Rate Mortgages Direct lender with Fannie Mae & Freddie Mac Single Family Home/ Condo 3% Down Payment (down payment on condo may vary by state) LOANS UP TO $417,000 - loan limits vary by county, may be higher in some areas Jumbo Loans Fixed & Adjustable Rate Mortgages: Programs available from $417,001 up to $5,000,000 6 Copyright Guaranteed Rate. All rights reserved.
7 Loan Process 7 Copyright Guaranteed Rate. All rights reserved.
8 What is a Pre-Approval? A pre-approval is a complete loan application which is completed by the loan officer and the buyer. Loan officer will run the buyer s credit and review their pay stubs and bank statements to verify income and assets. Once the loan officer verifies the buyers credit, income, and assets the loan officer will review programs available to meet the buyers financial needs. Loan officer will select the best mortgage option for buyer and then submit the file to Fannie Mae s automated underwriting system for a loan decision. Once an approval is received from the automated underwriting system, the loan officer will prepare a pre-approval letter for the agent. 8 Copyright Guaranteed Rate. All rights reserved.
9 Why is a Pre-Approval Letter Important? A pre-approval letter is a letter which identifies the loan terms the buyer has been pre-approved with. Simply put, this tells your Realtor and the seller s Realtor how much buying power you really have. 9 Copyright Guaranteed Rate. All rights reserved.
10 Get your Free Credit Report here Guaranteed Rate s easy-to-use, mobile friendly online application allows you to receive instant pre-approval in just 15 minutes. 1. Choose a rate 2. Free credit report 3. Check loan status 24/7 4. Print a pre-approval letter 10 Copyright Guaranteed Rate. All rights reserved.
11 The 5 Steps to a Perfect Loan Step 1: Mortgage Application Complete your online application (credit report included) and provide the following most up-to-date documents: 2 months paystubs 2 months asset statements 2 years W-2s and federal tax returns While you ll likely need to provide more documents, this is a great start! 11 Copyright Guaranteed Rate. All rights reserved.
12 The 5 Steps to a Perfect Loan Step 2: Home Shopping With pre-approval and James Tiernan in tow, you begin shopping for your home. Keep in mind that during the pre-approval process estimated taxes, HOAs and assessments and insurance costs were assumed. 12 Copyright Guaranteed Rate. All rights reserved.
13 The 5 Steps to a Perfect Loan Step 3: Signing the Contract After signing a purchase contract, your loan file will be prepared and sent to the underwriter. Submitting the following in a timely manner will ensure a smoother process: Executed contract Earnest money Updated income and asset documents Other relevant documents your mortgage team will request Your mortgage team will order your appraisal, property title, tax transcripts and many other verification reports. You conduct your home inspection with Mike Olszewski. 13 Copyright Guaranteed Rate. All rights reserved.
14 The 5 Steps to a Perfect Loan Step 4: Conditional Approval Once your loan is submitted and underwritten, you ll get a conditional approval returned. So what s a conditional approval? This is an approval subject to items an underwriter needs to clear your loan to close. Every loan scenario is different so requested documents will vary from loan to loan. 14 Copyright Guaranteed Rate. All rights reserved.
15 The 5 Steps to a Perfect Loan Step 5: Closing Once your final documentation is approved and your loan is cleared to close, my closing mortgage team will: Confirm your closing date and time Prepare your closing package Confirm all fees Send file to title company to prepare for closing day Close your loan. Receive your keys. Celebrate! 15 Copyright Guaranteed Rate. All rights reserved.
16 Summary of Your Lender s Role Takes application Issue Pre-approve Locks interest rate Orders appraisal Collects docs Obtains Title from Sellers Attorney Underwrites loan Issues Loan Commitment Letter with conditions Resolves all outstanding conditions and resubmits Issues Loan Clear to Close Letter Keeps you updated throughout the process 16 Copyright Guaranteed Rate. All rights reserved.
17 Free Informative e-books These jargon-free downloadable e-books are full of great information and available for instant download on my website! 17 Copyright Guaranteed Rate. All rights reserved.
18 Contact me for all your home financing needs Rich Goodwin Vice President of Mortgage Lending P: C: NMLS ID:XXXXX IL MB NMLS (Nationwide Mortgage Licensing System) ID 2611 AL - Lic# AK - Lic#AK2611 AR - Lic# Guaranteed Rate, Inc N Ravenswood, Chicago IL AZ - Guaranteed Rate, Inc N. Kierland Blvd., Ste. 100, Scottsdale, AZ, Mortgage Banker License # BK CA - Licensed by the Department of Business Oversight, Division of Corporations under the California Residential Mortgage Lending Act Lic # CO - Guaranteed Rate, Inc. Regulated by the Division of Real Estate, CT - Lic #17196 DE - Lic # 9436 DC - Lic #MLB 2611 FL - Lic# MLD618 GA - Residential Mortgage Licensee # N. Ravenswood Ave., Chicago, IL HI - Lic#HI ID - Guaranteed Rate, Inc. Lic #MBL-5827 IL - Residential Mortgage Licensee Illinois Department of Financial & Professional Regulation, 3940 N Ravenswood Ave, Chicago, IL MB IN - Lic #11060 & #10332 IA - Lic #MBK KS - Licensed Mortgage Company - Guaranteed Rate, Inc. - License #MC KY - Mortgage Company Lic #MC20335 LA - Lic #RML2866 ME - Lic #SLM1302 MD - Lic #13181 MA - Guaranteed Rate, Inc. - Mortgage Lender & Mortgage Broker License MC 2611 MI - Lic #FR & SR MN - Lic #MO MS - Guaranteed Rate, Inc N. Ravenswood Ave., Chicago, IL Mississippi Licensed Mortgage Company, Lic # 2611 MO - Guaranteed Rate Lic # MT - Lic# 2611 Licensed in NJ: Licensed Mortgage Banker - NJ Department of Banking & Insurance NE - Lic #1811 NV - Lic #3162 & 3161 NH - Guaranteed Rate, Inc. dba Guaranteed Rate of Delaware, licensed by the New Hampshire Banking Department - Lic # MB NM - Lic #01995 NY - Licensed Mortgage Banker - NYS Department of Financial Services N Ravenswood, Chicago, IL Lic # B NC - Lic #L ND - Lic #MB OH - Lic #MBMB & Lic #SM N. Ravenswood Ave., Chicago, IL OK - Lic # MB OR - Lic #ML N. Ravenswood Ave., Chicago, IL PA - Licensed by the Pennsylvania Department of Banking and Securities Lic #20371 RI - Rhode Island Licensed Lender Lic # LL, RI - Rhode Island Licensed Loan Broker Lic # LB SC - Lic #-2611 SD - Lic# ML TN - Lic # TX - Lic # & Lic # UT - Lic # VT - Lic #LL6100 & MB930 VA - Guaranteed Rate, Inc. - Licensed by Virginia State Corporation Commission, License # MC-3769 WA - Lic #CL-2611 WI - Lic #27394BA & 2611BR WV - Lic #ML & MB WY - Lic# Copyright Guaranteed Rate. All rights reserved.
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