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  • The Ryan Kramer Team understands how busy your life may be right now . . . juggling familiy, work, social activities, and now searching for a new home to call your own. During this time we know our staff will remove the headaches, stress, and second guessing from your mind when it comes to the real estate purchase process. However, we also understand that finding the right home is only part of the problem; buyer’s generally also need to finance that dream home…and that is why we created this section of our website!

    We have gathered some of the most important tools, questions, and mortgage loan providers in our area to provide this one stop financing overview for your benefit. These calculators, checklists, step-by-step processes, and even the questions are meant to get you started in the right direction for financing your real estate purchase.

    If you have any additional questions or concerns in regard to financing, please feel free to contact one of the listed providers below, all of whom we have worked with in the past with terrific results or visit our business directory page to see a full list of all mortgage providers in our area.

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  • This information is usually required during the loan process:

    • Pay stubs for the past 30 days
    • W-2 forms for the past 2 years
    • All pages of tax returns for the past 2 years
    • All pages of your bank statements for the past 2 months
    • Investment account statements for the past 2 months
    • All pages of your retirement account statements for the past 2 months
    • Retirement account statements for the past 2 months
    • Legible copy of your social security card
    • Legible copy of your driver’s license
    • Credit card account information
    • Auto loan account information
    • Personal loan account information

    If you currently own Real Estate:

    • Mortgage account information
    • Home insurance policy information
    • Home equity account information (if applicable)
    • Prequalification

      Prequalification occurs before the loan process actually begins. The lender gathers information about your income and debts, and makes a financial determination about how much house you may be able to afford.

      It's a good idea to know how expensive a home you can afford before you start shopping for one! If you are refinancing the loan on your existing home, then the prequalification process should help you decide whether refinancing is a good idea for you.

    • Application

      The application is the beginning of the loan process and either occurs after you have found a property you want to buy. You complete a mortgage application for a particular loan program and, supply all of the required documentation for processing. Various fees and down payment options are discussed at this time. The loan officer will deliver a Good Faith Estimate (GFE) and a Truth-In-Lending Disclosure (TIL) within three days that itemize the rates and estimated costs for obtaining the loan.

    • Processing of your Estimated Loan

      The lender will typically submit the application package to an automated underwriting system that will provide the lender with the necessary documentation needed for loan approval. In some cases, the lender may also manually underwrite an application package.

      The lender's processor reviews the credit reports and documentation to verify your employment, debts, and payment histories. If there are unacceptable late payments, collections, judgments, etc., the processor requests a written explanation from you. The processor also reviews the appraisal and survey and checks for property issues that may affect final loan approval. The processor's job is to put together an entire application package for the lender's underwriter.

    • Underwriting

      The lender's underwriter is responsible for determining whether the application package prepared by the processor meets all the lender's criteria. If more information is needed, the loan is put into "suspense" and you will be contacted to supply more documentation.

      If the underwriter approves the loan, the lender issues a conditional commitment to lend, orders title insurance, works with you to clear all conditions to its commitment to lend, and then schedules a closing time. Conditions to the lender's commitment may include issues with credit, income, or the property that may arise during the processing and underwriting process.

    • Closing

      The closing will occur after all conditions are cleared and the lender issues a full loan approval. At the closing, the lender "funds" the loan with a cashier's check, draft or wire to the closing agent, who disburses funds, in exchange for the title transfer to the property. This is the point at which you finish the loan process and actually refinance or buy the house, subject to the lender's loan. Closings occur at different places in different states. For instance, some states require that the closing take place at a closing attorney's office, while others use a title or escrow company. You may also be able to close at your home.

    • Do I need to be prequalified before I begin searching for my home?

      It definitely helps expedite the process, but The Ryan Kramer Team does not require that to be the case. If you know that you will be approved prior to your house hunt, the process goes much smoother. The process is simple. To arrange to be prequalified for your purchase, take the following steps:

      1. Gather the items in the ‘Mortgage Documents Checklist’ outline in menu tab.
      2. Use the form below to contact one of the licensed mortgage professionals to submit your documentation. With this information, you and your chosen professional will be able to discuss the best home financing options that will help you achieve your financial goals.
      3. Your mortgage professional will supply you with a pre-qualification letter that will inform your Realtor and any potential home sellers that you are a preferred and serious buyer. This will give any offer you extend on a property more weight. This backing will allow you to relax and enjoy the process of looking for your new home!
    • Is it still possible to qualify for a loan even if I have past credit problems?

      In challenging economic times such as these, a good number of people have found themselves with financial difficulties. These times create opportunities to incorporate valuable lessons in to a person’s financial planning. When the desire to move forward into home ownership sets in, it is often questioned what chances exist for those that have encountered financial problems.

      The first distinction that is important to make is the difference between a person with a bad credit experience in the past and a person who is a bad credit risk. There is an important difference.

      Lenders' main questions will be along the lines of the following:

      1. What was the situation of the financial difficulty? What circumstances caused the specific trouble?
      2. What steps did you take to resolve the issue?
      3. What measures were taken to prevent the situation from occurring again? Have you reestablished yourself financially? Were the changes that were made the right ones?

      If you have encountered more challenging credit problems like bankruptcy and foreclosure, your explanation needs to be more thorough and have much more importance; additionally, the greater the credit problem, the more recovery time is necessary.

      Everyone finds themselves in tough financial situations at one point or another, but everyone deserves another chance. Do not allow previous problems intimidate you and prevent you from trying to get a fresh start and purchasing that piece of real estate that you dream of.

    • How do I know what my interest rate will be?
      After gathering the appropriate documents and contacting your preferred mortgage professional, three of which are listed below, your application will be processed and an interest rate quote for your specific loan and loan type will be available. Should you accept this rate and be willing to move forward, your mortgage professional may be able to “lock in” that rate…but you really need to talk with them about the details of the financing aspect.
  • Matt Hickman
    Loan Officer

    NMLS: 250183
    Direct: (435) 767-1704
    Cell: (435) 632-6811
    Fax: (888) 651-1535
    444B E. Tabernacle St. #100
    St.George, UT 84770

    I specialize in consulting with buyers and matching their needs with specific loan products. As an important part of my responsibility, I constantly educate myself to industry changes, ensuring the best overall program and benefits for my buyers. I have been in the mortgage industry for over seven years, joining shortly after graduating from Brigham Young University. I grew up in St. George and love all aspects of my hometown. My wife and I are the proud parents of four sons.

    The Hickman MacPherson team was created to give our clients the best lending experience and six dedicated individuals working together for best interest of those whom we serve.

    Shelley Smith
    Loan Program Specialist

    NMLS: 995161
    Direct: (435) 216-3071
    Cell: (435) 313-5444
    Fax: (435) 216-3071
    328 E. St. George Blvd
    St. George, UT 84770

    You are in the process of embarking on one of life’s greatest decisions…the purchase of a house, the starting point of the home you wish to create. I understand the importance of this life decision, the investment involved, and the impact on your life…financial, emotional, and family.

    If you want to make sure you are getting the most appropriate loan for your situation, including your long-term financial health you should contact an honest, ethical service provider like myself that can be your advocate at every step of the financing process.

    Don’t let the fear, uncertainty, and stress induced headaches ruin this joyful life event over questions, concerns, and time constraints that my concierge level service can help you overcome.

    Chantry Abbot
    Loan Officer

    NMLS: 309670
    Direct: (435) 674-1090
    Cell: (435) 979-1775
    Fax: (888) 540-1162
    1224 S. River Road Ste A-102
    St. George, UT 84790

    I have been in the mortgage industry since 2002. The most important aspect of business to me is to develop a friendship and a mutually beneficial relationship that will last a lifetime. I use my knowledge and insight to help my clients make an educated decision on which loan will be best for their financial situation. I pride myself in never letting a client into a bad loan or overextending their budget. I strive to stay educated on all of the programs and changes. The biggest reason for my success is the personal relationship and the accessibility each of my clients has to me.

    Becky & Brandon Staples
    Excellence in Lending

    Becky NMLS: 912705
    Brandon NMLS # 1024578
    Company NMLS# 715386
    Direct: (435) 216-3081
    Cell: (435) 229-3241
    201 East St. George Boulevard
    St.George, UT 84770

    Becky and Brandon Staples of Patriot Home Mortgage have helped countless buyers and investors secure their financial future and real estate goals. Working together as The Staples Group, Becky and Brandon bring to the table an unmatched knowledge of various lending programs and financing options.

    “Our company provides Conventional Loans, VA Loans, First Time Buyer financing, Rural Financing, Reverse Mortgages, Construction Lending, and Jumbo Loans. All of these services are for purchase or refinance transactions. We also excel in great communication and knowledge. As brokers and lenders, we are able to be our clients' advocate and go out to 35+ different lender partners and find the loan that works best for our clients. We consider ourselves their 'mortgage attorneys' and can generally provide our clients with a pre-qualification letter at the drop of a hat! We are also very familiar with the area and local appraisers, and can help our clients make informed decisions."

    Becky and Brandon have been involved with the local community their entire lives. During their free time, you can usually find Becky hiking or teaching yoga, and Brandon staying active in local politics and leadership committees.

    If you are ready to take the next step toward homeownership, The Staples Group is ready to help you make it happen. Get in touch with them today.

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