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HOME REFINANCE
TheDanKellerMortgageTeamNew American Funding, a direct lender
Call/Text: (425) 350-7136Email: [email protected]/Jason Hoskins, Production Partner: (425) 979-7442Pre-Approval Page: www.MyMortgageGuyDan.com/Refi
Mortgage Planning Guide
AboutYourMortgageAdvisor
Hello–mynameisDanKeller[MLO#115349].First,Iwanttothankyouforallowingmetohelpassistyouwithyourmortgagerefinance!Irealizedearlyoninmycareerthatahomeisoneofthegreatestassetsmyclientshave,andthereforeIcompletelyunderstandtheimportanceofthisfinancialdecision!
IamahusbandtoJennyKeller(aka-@jennycookies),andafathertoAllyandHudson.JennyandIownabakeshopinLakeStevens
(www.JennyCookies.com)andenjoyprovidingbakedgoodsforfamiliesandcompaniestoenjoyastheycelebratespecialoccasions!
Inmysparetime,youcanfindmesalmonfishingonthePugetSound,coachinglittleleaguebaseball,ortravellingwithmyfamily!IalsoenjoyteachingDaveRamsey’sFinancialPeaceUniversity.
I’vebuiltthispacketandwebpagesothatyouhaveabetterideaofthehomerefinanceprocessaswellasyouroptionsinrefinancing
yourhomeloan.
I’dliketohelpyourealizetheimportanceofintegratingyourmortgageintoyourshort-termandlong-termfinancialplan.Laterinthispacket,Iwillaskyouaseriesof11questionsthatwillhelpmebest
adviseyouasyouconsideryourhomerefinanceoptions.Fornow,Iwantyoutobeginthinkingabouttherefinanceprocess-Whetheryouarelookingtopull
equityoutofyourhometopayoffhighinterestcreditcarddebtorsimplylookingtoloweryourinterestrate,it’simportanttoaskyourselfafewkeyquestions-
Understanding:Yourinterestrateisbasedonthreefactors:(1)thefeestructure(discountpoints)associatedwiththeloanprogram;(2)Yourcreditscore;and(3)Homeequity.
(1)Doyouwishtopaypointstoloweryourrate?(2)Doyouwishtokeepyourcurrentloanamount“asis”andpayyourclosingcostsoutofpocket?
(3)Doyouwishtofinanceyourrefinanceclosingcostsintoyournewloanamount?(4)Whatwouldyouliketodowithyourescrowrefundfromyourexistingmortgage?(5)Wouldyouliketofinanceyournewescrowaccountbalance?
Iamlookingforwardtohelpingyourefinanceyourhomeandbecomingyourmortgageadvisorforlife!Comeonin,let’sgetstarted!
NMLS# 115349 Dan Keller – Mortgage Loan Officer Dan has been a trusted resource in the Northwest for 8 years. He will meet with you, educate you, go over your loan options, and help you pick the program that is just right for you! Website: www.thedankellergroup.com Cell/Text: (425) 350-7136 Email: [email protected]
Brie Sidener - Loan Partner II (Production Mgr.) Brie will be your main point of contact once your file gets into processing. She will be calling you for information, following up on your needed items, contacting you every Friday to give you weekly updates, and navigating you into escrow at closing! Direct Line: (425) 947-8533 Email: [email protected]
Lori Larsh – Senior Loan Processor Lori is the processor assigned to your loan. She has over 15 years of processing experience and is the BEST! Lori’s job is to review your loan application & prepare it for underwriting & closing of escrow! Phone: (425) 315-7532 Direct Line: (425) 359-3239 Email: [email protected]
Jason Hoskins - Loan Partner I (Production Asst.) Jason will be your initial point of contact here at New American Funding. His job is to schedule your appointment and gather all of your information to help expedite the loan approval process. NMLS# 1164881 Phone: (425) 979-7442 Email: [email protected]
MeetYourNewAmericanFundingMortgageTeam!
ItemsNeededChecklistThesearetheitemsthatwewillneedtoissueamortgageloanapprovalforyourrefinance.
! CopyofyourIdentification(driver’slicenseorpassport)! Copyofyourlast30-dayspaystubs! Copyofyourlast2-yrsW2s! Copyofyourlast2-yrstaxreturns(allpagesplease)! Copyofyourmostrecentmortgagestatement! Copyofyourlast2bankstatements! Copyofyourlast2investmentaccountstatements! Copyofyourhomeowner’sinsurancedeclarations! Copyofthemostrecentmortgagestatementsforallotherpropertiesowned! Nameandcontactinformationforyourhomeowner’sinsuranceagent! NameandcontactinfoforyourCPA! CompletedMortgagePlanningWorksheet! CompletedAllAboutYourForm
------! Bankruptcydocuments(iffiledBKinthelast7years)! Shortsaleorforeclosuredocs(iffiledinthelast7years)! Divorcedecree(ifapplicable)! Childsupport/Alimonydocs(ifapplicable)! Disabilityincomedocs(ifapplicable)
Theremaybeachancethatwedonotneedsomeoftheitemsrequestedabove,however,pleasegathertheitemsrequestedsothatwecangiveyouathoroughevaluationofyourmortgageapplication.Ifyouareconsolidatingdebtorwantingtodrawoutmoneyfromyourhomeequity,pleaseexplainbelowhowmuchmoneyyouwouldlikeand/orwhichcreditaccountsyouprefertobepaidoff.
TheDo’sandDon’tsWhenApplyingForAHomeLoan
Thesetipswillhelpavoiddelayswithyourloanapproval.
MOSTIMPORTANTLY,DONOTGIVEYOURSOCIALSECURITY#OUTFORTHENEXT30DAYS!DON’Tmakeanymajorpurchases(car,boat,furniture,jewelry,studentloans…)DON’Tapplyfornewcredit–PLEASECALLMEIFYOUFEELTHENEEDTOOPENNEWCREDITDON’Topenanynewaccounts–gymmemberships,etcDON’Ttransferanybalancesw/olettingusknowfirstDON’Tpayoffanycollectionsoraccountspastduew/outfirstconsultingwithusfirstDON’TcloseanycreditcardaccountsDON’TchangebanksoropennewbankaccountsDON’TmaxoutoroverchargeyourcreditaccountsDON’TdrawonanopenlineofcreditforclosingcostsordownpaymentmoneyDON’Tconsolidateyourdebtontootheropencreditaccountsw/oconsultingusfirstDON’TtakeoutanewautoloanorleaseDON’Topenanewcellphoneaccount
---DOcontinuetomakeyourmortgageorrentpaymentontime.DOstaycurrentonallexistingaccounts(evenifyouarepayingthemoff)DOcontinuetoworkforthesameemployer-trynottoswitchjobsorgetfiredDOcontinuetousethesameinsurancecompanyDOcontinuetoliveatthesameresidenceDOcontinuetouseyourcreditcardsasnormalDOcallusifyouhaveANYquestions!DOtellyourfriends,co-workers,andfamilyaboutus!Wepromisetotakegreatcareofyouandtheonlythingweaskforinreturnisforyoutointroduceustootherswecanhelp!Isthereanyonerightnowthatyouknowthatwecanhelp?__________________________________Ifyouencounteraspecialsituation,it’sbesttomentionittousrightawaysothatwecanhelpyoudeterminethebestwaytohandleitinordertoachieveyourfinancialgoals!Ifyouhaveanyquestions,youcanalwaysreachusdirectlyat(425)979-7442.Weareheretohelp!
MortgagePlanningQuestionnaireMyjobistohelpyouintegrateyourmortgageintoyourshort-term&long-termfinancialgoals.1.Whatisthebestestimateforhowlongyouwillliveinthishome?___1-3years___3-5years___7-10years___10+years2.Doyouhaveanyplansformajorpurchasesinthecoming12months?Thismayincludeacar,homeimprovements,studentloans,investmenthome,appliances,debtconsolidation…___No___YesIf“yes”,pleaseexplain___________________________________________3.Whichdoyouprefer:___payforclosingcostsoutofpocket___includeclosingcostsintoloan4.Inhowmanyyearstoyouplantoretire?________Doyouhaveaplan?___No___Yes5.Areyouworkingwithanexperiencedfinancialplanner?___No___YesName_________________________If“no”,wouldyoulikearecommendation?__No__Yes6.WhatisthenameofyourRealEstateAgentthatsoldyouthishomeoronethatyouknow?Name/Company__________________________________________________________________7.WhatisthenameofyourCPA?____________________________________________________8.Doyouhavelifeinsurancetoprotectyourfamily?_____________________________________9.HaveyoueverservedintheArmedForces?__________________________________________10.Areyouinterestedinmoreinformationonpurchasinginvestmentproperties?_____________11.Whocanwethankforintroducingyoutous?________________________________________12.Isthereanythingthatyou’dliketoknowmoreaboutmebeforeallowingustoserveyou?______________________________________________________________________________
ClientName____________________________
AllAboutYOU–V.I.P.ServiceForm
Welovecateringtoourclients!Indoingso,Iwouldliketogettoknowyoumore…Pleaseletmeknowaboutyourfavorites.☺
name: _______________________________ spouse/co-borrower____________________________
address: _____________________________________________________________________________________________
Are you on facebook?______________ What about instagram?:_____________________________
cell phone: _________________________ spouse cell phone: __________________________________
e-mail: ___________________________________________________________________________
employer: ____________________________ spouse employer: ________________________________
your b-day: ______________ spouse’s b-day: _______________ wedding anniv.: ________________
My spouse/significant other/best friend would consider me (please circle one):
Straight-to-the-point Social & Outgoing Steady & Dependable Cautious & Perfectly Accurate -----------------------
I would consider my spouse/significant other to be (please circle one):
Straight-to-the-point Social & Outgoing Steady & Dependable Cautious & Perfectly Accurate
children living with you: their birthday:
1. ____________________________________________________________________________
2. ____________________________________________________________________________
pets: _______________________________________________________________________________
what high school did you attend? _____________________ spouse/so: _________________________
PleaseListYourFavoriteInTheFollowingCategories:
fave restaurant? __________________________ spouse/so __________________________
coffee or tea? what kind? __________________ spouse/so __________________________
fave wine/beer? __________________________ spouse/so __________________________
college attended? _________________________ spouse/so __________________________
fave sports team? _________________________ spouse/so __________________________
fave retail store? __________________________ spouse/so __________________________
favorite dessert? __________________________ spouse/so __________________________
types of books? __________________________ spouse/so _________________________
How would you like to be rewarded for referrals? * _______________________________________
* Washington State DFI regulations forbid the payment of monetary referral fees, but wine is ok ☺
