Whether your goal is buying or refinancing your home, our mortgage and home equity specialists can help you find potential ways to:

  • Lower Your Monthly Payment Expense
  • Shorten the Term of Your Loan
  • Switch to a Fixed-Rate Mortgage
  • Get Cash Out of Your Home
  • Buy Your New Home

Just answer the questions below to get started and gather the documents needed below.

Loan Documentation Needed


Provide most recent paystubs for 1 month

Provide W-2's for the past two years

Provide all pages and schedules of last two years personal Federal tax returns

If self employed, provide all pages and schedules of last two years business tax returns and corporate K-1's

If retired, provide benefit award letter, last two years 1099's, and all pages and schedules of last two years tax returns

If any rental income is received, provide copy of current lease agreement and mortgage statement

If VA and active duty personnel, copy of Statement of Service Letter and Off Base Housing Authority Letter


Provide ALL pages of most recent 2 months statements for all accounts; including all checking, savings, stocks, IRA, 401k, etc.

The statements must show your name, account number and the name of the banking institution.

If funds to close will come from a gift, complete the gift letter and the following:

a. from the donor - bank statements showing the funds in the donor's account and a copy of the check from the donor's account

b. from the borrower - a copy of the deposit slip showing the gift check deposited into your account

If funds to close will come from sale of home, copy of Hud-1 from sale of home and deposit slip showing proceeds deposited into bank account


Copy of enlarged driver's license and social security card

Copy of divorce decree

Copy of bankruptcy papers, including all schedules and discharge, and credit explanation letter for reason for bankruptcy

Letter of explanation on any late payments, collections, charge off’s or derogatory credit

Letter of explanation for all recent credit inquiries

If VA, Certificate of Eligibility or copy of DD214


Homeowners Insurance Agent's name, address, and phone number for the subject property

If refinance, copy of note and mortgage statement from the current lender showing the account number

If you’re retaining your current residence, provide a mortgage statement showing taxes and insurance are included in the monthly payment

If you’re currently renting, provide your Landlord’s name, phone number and address. 12 months cancelled rent checks will be necessary for private landlords.

If you live with a family member, letter stating you live rent-free


Carlos Jaramillo

Mortgage Broker

NMLS# 1015630

Office: (909) 452-2891