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Loan Checklist

FAQ's

I think I'm ready...now what?

Copies of your W-2 forms for the past two years.
Name and addresses of your present employer (s) and copies of your two most recent pay stubs.
Have copies of your federal tax returns for the past two years if you have additional income that you would like to have considered.
If you are self-employed have copies of year-to-date profit and losses statements, a balance sheet prepared and signed by an accountant, a letter from your CPA stating years of self-employment, as well as copies of your federal tax return for the past two years.
Name and addresses of any financial institution (s) you have an account with and provide copies of your three most recent statements.
If you already have a property, have the name and address of the institution holding your mortgage on that property along with copies of your most recent statements.
A signed copy of your deposit receipt or purchase agreement for your new home.
An estimate of your outstanding debt along with the account numbers of your credit cards, outstanding loans, mortgages, and bank accounts.
Anything else that gives us a clear understanding of your financial situation.

Q. How long will it take to process my loan?

A. It depends on the client and their individual situation, but generally loans are processed between one and three weeks.

Q. Is it possible to be pre-approved for a home, even if we don't have one picked out yet?

A. Not only is it possible, it's recommended. When you are pre-approved with a loan amount you know just how much of a house you can afford and in addition this gives you leverage when negotiating a price with a seller.

Q. I have bad credit, can you still help me out? Will it cost me anything to find out?

A. Accurate Funding, Inc. has programs available for people with all kinds of credit and it won't cost you anything to see what we can do for you. We never charge an application fee and once your application is filled out our mortgage analysis is always free!

Q. Why should I use your company instead of a bank?

A. The mortgage process can be a difficult one and we strive to make it as easy as possible for you. We work hard to make sure you are getting the best rate possible! In addition, our company offers excellent customer service, 100's of the nation's leading lenders with programs set to match your needs.

We need to know the following:

	Do you plan to live in this property or are you looking to rent it out?
	What kind of property is it: a single family, condo, or a cooperative apartment?
	Where is this property located?
	What is your (and co-borrowers if applicable) gross monthly income?
	Do you receive bonuses or over-time routinely?
	If you are self-employed, what is your net income?
	What monthly expenses do you have?
	How much cash will you have to invest in the property?
	If you've had any credit problems in the past two years, please explain.
	To make life simple just fill out our quick apply form.

Contact Accurate Funding:

	By Phone: (330) 688-3852 ext. 204 or toll free: 877-855-7921.
	By Fax: (330)688-9223
	Via e-mail: accuratef1@aol.com

Now one of our dedicated loan officers will help you through the process if you grant us the opportunity to work for you!

Accurate Funding, Inc.

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