Florida Mortgage  Lender with the best rates available to every one.  No credit situation will be turned down.

Mortgages, Home Loans, Home Equity Products, and all your refinancing needs will be met.  Our Mortgage Experts are available to help you now!

Free APPROVALS and Pre-Qualification with Any credit
score.  Get pre-approved for your mortgage, rather than just pre-qualified. It strengthens your bargaining position with sellers and their real estate agents.

The Mortgage and Home Loan Process

To assist in the fast processing of your mortgage or refinance, Transcontinental Lending Group would like to provide you with the following information about the mortgage loan process from shopping for the best mortgage rates to your mortgage closing.

Prepare your documents

If you are buying or refinancing a home:

• If you are salaried: provide two years W-2 and one month of pay stubs.
• If you are self-employed: provide two years tax returns and a YTD profit and loss statement.
• If possible provide three months bank statements for each bank, stock and mutual fund account.
• Provide recent copies of any stock or IRA/401K accounts that you may have.
• If you interested in a cash out refinance please provide a letter explaining. what you plan to do with the proceeds.
• If divorced, please provide a copy of your divorce decree
• If you are NOT a US citizen, provide us with a copy of your green card or appropriate documentation.
• If you are NOT a permanent resident provide us with your H-1 or L-1 visa.
• If you own rental property, please provide rental agreements and two years tax returns.

• Please provide a copy of the note on your first mortgage.
• If you are salaried: provide two years W-2 and one month of pay stubs.
• If you are self-employed: provide two years tax returns and a YTD profit and loss statement.
• If possible provide three months bank statements for each bank, stock and mutual fund account.
• Provide recent copies of any stock or IRA/401K accounts that you may have.
• Please provide a signed letter explaining what you plan to do with the proceeds.
• If divorced, please provide a copy of your divorce decree
• If you are NOT a US citizen, provide us with a copy of your green card or appropriate documentation.
• If you are NOT a permanent resident provide us with your H-1 or L-1 visa.

Pre-Qualify your Mortgage

Getting qualified before you apply for a loan will give you a good indication of how much you will be able to borrow. You can typically get pre-qualified over the phone or on the Internet in a few minutes.
A pre-qualification is not the same or as beneficial as a pre-approval.

Pre-Approval of your mortgage is a little more in depth and will include verification of your credit, income, assets and liabilities. The pre-approval will give you better piece of mind when shopping for your home as your loan will be guaranteed. You will also know exactly the amount of home you can purchase so you don't waste time searching out of your price range. You are also in a better position to shop for programs and rates and wil be able to close your loan faster.

Shop for your Mortgage or Home Equity Loan:

Think about how long you plan to keep the loan. If you plan to sell the house in a few years you may want to consider an adjustable or balloon loan. On the other hand, if you plan to keep the house for a longer time, you may want to look at fixed loans.
Understand the relationship between rates and points. Points are considered to be prepaid interest and are tax deductible. Each point is equal to one percent of the loan. So for example 1 point on a $150,000 loan is $1,500. The more points you pay, the lower the rate you will get.
Shopping for a loan can be a daunting task. Your Transcontinental Lending Group mortgage lender has the experience to help you make a decision that's best for you by comparing the different mortgage programs. There are so many programs to choose from, each with different rates, points and fees. Our goal is to find a program that is best for you.

Obtain Your Loan Approval

Once your loan application has been received we will start the loan approval process immediately. We will verify the information you provide us including:

• Credit history
• Employment history
• Assets including your bank accounts, stocks, mutual fund and retirement accounts.
• Property value .
• Based on your specific situation, additional documents or verifications may be required.

• Be sure to fill out the loan application completely and respond promptly to any requests for additional documents especially if you are locking your rate or your closing day is pre-determined.
• Do not make any major purchases. Do not buy a car, furniture or another house until your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application. Read more about your credit (FICO) score here.
• If you are receiving money from friends, family or other relatives, please advise us.

• Be present for the closing.
• Bring a check for your down payment and closing costs if required.
• Review the final loan documents. Make sure that the interest rate and loan terms are as promised and verify the accuracy of information on the loan documents.

You can also search for today's mortgage rates by state for your home loan.

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