I am here to assist you in purchasing your new home and/or listing your current home.

I am a full time real estate agent that take pride in helping people, like yourselves, in achieving your home ownership goals.

Whether you need to know the current market value for your home, lender information, or listings to preview, give me a call. I am here to help!

1. Don't buy or lease an auto. The lender looks carefully at the debt-to-income ratio and a large payment such as a car lease or purchase can greatly impact those ratios and prevent the buyer from qualifying.
2. Don't move assets from one bank to another or make any large deposits that you cannot document. These show up as new accounts and complicate the application process, as you must then disclose and document the source of funds for each new account. The lender can verify each account as it stands. You can consolidate them later.
3. Don't change jobs. A new job may involve a probation period which must be satisfied before the income from that job can be considered for qualifying purposes.
4. Don't buy new furniture or major appliances for the "new house". If the new purchase increases your debt load, it can disqualify you from the loan or deplete your funds to close.
5. Don't run a TWR credit report on yourself. This will show up on your lender's credit report as an inquiry and must be explained in writing.
6. Don't attempt to consolidate bills before speaking with your lender. The lender can advise you if this needs to be done.
7. Don't pack or ship information that may be needed for the loan application. Important paperwork such as W-2 forms, DD 214 forms, divorce decrees and tax returns should not be sent with your household goods. Duplicate copies take weeks to obtain.

 

 

 

Whether you are buying or selling,

call the agent that works for you!

 

 

Tammi Greenwald

(708) 772-7171