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Loan Checklist

Interested in getting a loan? Here’s a checklist of documents that you need ready and available to begin this process. Documents required vary from loan to loan, but generally the following are required, often for up to two years back: Statements of income such as last two years W-2’s, two current pay stubs, and the […]

Understanding Your Debt Ratio

When you are filling out a mortgage application, the lender will be asking you for specific financial information. One of the reasons they ask for this information is to enable the underwriter to calculate your debt ratio, also known as DR or DTI for “debt to income ratio”. The debt to income ratio is what […]