What helps to have handy
None of this is required to begin — you can start the application cold and fill in the rest later. But if you have a rough idea of these, it goes faster:
- Your income — roughly what you earn, and how you earn it. Self-employed is welcome here; it's one of the places a broker helps most.
- The last two years of work history — employers and dates, approximately.
- What you have for a down payment — and where it's sitting. Gift funds and down payment assistance both count.
- What you're shopping for — price range, town, and whether it's a primary home, a cabin, or an investment.
If something on that list makes you think "that's exactly the part that's complicated for me" — that's the part I'd rather hear about directly. Call or text me at 602.737.1045 and we'll talk through it before you fill out a thing.
Why this is a broker application, not a bank one
A bank loan officer works for that bank. They can only offer that bank's products at that bank's pricing, and if it isn't competitive for your situation, they usually can't tell you — because they have nothing else to offer.
I work for you. I shop 100+ wholesale lenders, and that competition is the entire point: better program fit, fewer dead ends, and a real comparison instead of a single quote. If your own bank genuinely beats what I can shop, I'll tell you that too. Here's the longer version of that argument, and the full list of loan programs if you want to see what's out there first.
I don't quote rates on a web page — yours depends on your file, and shopping it is my job. All loans are subject to credit approval, program guidelines, and property qualification. Equal Housing Opportunity.