Resources for Home Buyers

homebuyers

Loan documents to help you through the mortgage process–worksheets to prepare, what to expect during the loan process, information about different types of mortgages.
Team Primary Borrower Worksheet – We designed this helpful worksheet for our borrowers to help them prepare the needed documents for the mortgage loan application.

VIDEO – Overview of the Loan Process – A quick video explaining the entire loan process and what you can expect to happen during the various stages.

General Forms and Information
Consumer Handbook on Adjustable Rate Mortgages
A Consumers Guide to Mortgage Settlement Costs
HUD Settlement booklet
IRS4506T

Letter Templates – The links below are to helpful letter templates for commonly needed letters during the mortgage loan process.
Credit Inquiry and Past Address Explanation Letter
Derogatory Credit Explanation Letter
Large Deposit Explanation Letter
Account Access Letter for Joint Bank Statements
Gift Letter

FHA 203k Streamline Forms – The following forms are some of the common forms you will need to provide or have signed by your contractor.
W9 Form for Builder
203k Streamline Draw Information Form
203k Streamline Contractor Agreement

FHA New Construction Forms for Builders
Mortgagee Letter 2001-04 – Explaining Termite Treatment
Builder SubTerranean Termite Form

Helpful Links
– Here are some links that we have found to come in handy on a daily basis
FHA Approved Condominium Search – Find out if the condo you own or are interested in purchasing is currently approved with HUD / FHA
Fannie Mae Refinance Lookup for Borrowers – Find out if your current mortgage is with Fannie Mae
Freddie Mac Refinance Lookup for Borrowers – Find out if your current mortgage is with Freddie Mac
FEMA – Disaster Area declarations – Find out if a home you are purchasing is located within a disaster area
Experian – This is the link to the main page for Experian – Credit Reporting
Equifax – This is the link to the main page for Equifax – Credit Reporting
TransUnion – This is the link to the main page for TransUnion – Credit Reporting
VA Certificate of Eligibility Instructions – As a veteran you need a certificate of eligibility before applying for a VA loan. This link will put you right in the instructions screen on the web site.
Condo Approval Services – This company will help you get condo complexes approved for FHA, VA, Fannie Mae or Freddie Mac and also works with New Construction Condos. Here is a PDF of their Condo Approval Services for your convenience.
FHA Condo Approval Requirements – For documentation and processing requirements, please refer to ML 2009-46B and ML 2009-46A, which can be found at the following web site
Find HUD Homes for Sale – To see the latest list of all HudHomes nationwide