Shopping Basket
Your Basket is Empty
Quantity:
Subtotal
Taxes
Delivery
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should receive an order confirmation from Paypal shortly.Exit Shopping Basket

Blog

Blog

« Back to Blog « Older Entry | Newer Entry »

Professional and Confidential

Posted on 22 September, 2017 at 14:25


What do a priest, therapist, and mortgage professional all have in common? Confidentiality. You can tell your priest and therapist anything (except that you are going to hurt someone or yourself) and they are ethically bound to keep it between you and them.

When you apply for a mortgage, it feels like you are getting very personal with your lender. Your mortgage agent will ask questions about your finances that you’re probably not used to being asked. Not the kind of stuff that friends casually discuss. Your mortgage agent will need to know details about your life because they are brokering a loan worth hundreds of thousands of dollars. But don’t worry-- the information you share with them is private. They will not share it, sell it, or (if you’re like me and have made some not-so-smart credit decisions in the past) judge you. They objectively look at your financial position and use the information to make an informed judgement about what kind of loan is best for you, how much of a mortgage payment you can support, and other details of what is quite possibly the biggest purchase you’ve ever made.

So what can you expect to be asked? First off, you’ll need to give information about your employment and income. Your mortgage team will need to know where you work and how much money you make, as well as how long you’ve been at that job and how steady the income is (salary? commission?). If your income is commission based or irregular, Team Neal is expert at tailoring a loan for you. When my family made a cross-country move a couple of years ago, we needed to purchase a house but we were both starting new jobs as teachers in the local school district. This complicated our mortgage process, but Team Neal was able to evaluate our circumstances and get us into our new home without any complications.

You’ll also need to discuss your debts. What debts do you have and how much are your monthly payments for automobiles, credit cards, etc.? Team Neal will use this information to determine a debt-to-income ratio that will inform their loan tailoring process. There will also be questions about savings and assets, and you’ll be required to provide copies of bank and brokerage statements. Finally, there will be questions about why you’re buying a home, how you’re going to use it (residence, rental, etc.) and how much money you plan on putting down. It is important to be forthright and honest so that your mortgage professional can determine the best loan for your needs. 

Categories: Mortgage Approval Process, First Time Homebuyer, Credit

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

29131 Comments

Reply Speedy Cash
8:16 on 15 December, 2020 
instant cash loan apply for loan
Reply oguyiyeviriya
8:06 on 15 December, 2020 
Causes: cjm.ayau.nealhomeloans.com.the.dh circle, [URL=http://stephacking.com/product/lexapro/ - escitalopram 30 mg[/URL - [URL=http://kamo-family.com/best-buy-on-prednisone/ - prednisone very fast shipping to ireland[/URL - [URL=http://transylvaniacare.org/staxyn/ - online generic staxyn[/URL - [URL=http://belizedestinations.com/priligy/ - buying generic priligy without prescription[/URL - [URL=http://besthealth-bmj.com/prednisone-pastillas-costo/ - prednisone online forum[/URL - [URL=http://bay-head-nj.com/amoxicillin/ - amoxicillin[/URL - [URL=http://thefashionhob.com/avodart/ - finasteride o dutasteride[/URL - [URL=http://webodtechnologies.com/www-viagra-com/ - viagra[/URL - viagra.com [URL=http://heavenlyhappyhour.com/prednisone-20-mg/ - prednisone 20 mg[/URL - [URL=http://columbiainnastoria.com/prednisone-without-dr-prescrip
tion/ - buy prednisone no prescription[/URL - [URL=http://agami360.com/cheap-viagra-next-day-ship/ - order viagra online fast shipping[/URL - [URL=http://buckeyejeeps.com/lasix/ - buy lasix online[/URL - lasix online copied algorithm scrub lexapro without a prescription prednisone very fast shipping to ireland lowest price for staxyn 60 mg priligy cost prednisone amoxicillin dutasteride for sale viagra non prescription prednisone prednisone without dr prescription order viagra online fast shipping lasix to buy online no prescription confident supernatural http://stephacking.com/product/lexapro/ lexapro http://kamo-family.com/best-buy-on-prednisone/ price of prednisone 5mg tablet prednisone paypal bestellen http://transylvaniacare.org/staxyn/ staxyn http://belizedestinations.com/priligy/ priligy generic purchase http://besthealth-bmj.com/prednisone-pastillas-costo/ prednisone 5 prednisone online uk http://bay-head-nj.com/amoxicillin/ email sending amoxicillin links fda generic amoxicillin http://thefashionhob.com/avodart/ dutasteride online dutasteride http://webodtechnologies.com/www-viagra-com/ viagra http://heavenlyhappyhour.com/prednisone-20-mg/ prednisone online usa prednisone 20mg tablet online http://columbiainnastoria.com/prednisone-without-dr-prescription/
prednisone http://agami360.com/cheap-viagra-next-day-ship/ order viagra online fast shipping prescription viagra written http://buckeyejeeps.com/lasix/ lasix 40 mg ivp septum anticipating, amplify medusae.
Reply lebron shoes
7:51 on 15 December, 2020 
I wish to convey my passion for your kindness supporting those who should have assistance with this one concept. Your real commitment to passing the message all over became unbelievably effective and have in most cases made individuals like me to arrive at their objectives. Your new helpful hints and tips means this much a person like me and extremely more to my fellow workers. Warm regards; from all of us.
lebron shoes http://www.lebron17s.us
Reply yeezy 350
7:51 on 15 December, 2020 
I have to show thanks to this writer for rescuing me from this instance. As a result of surfing throughout the online world and getting concepts which were not helpful, I thought my entire life was gone. Existing minus the strategies to the problems you have resolved by means of your short article is a crucial case, and the ones that might have adversely affected my career if I had not encountered your web site. That talents and kindness in taking care of every aspect was very helpful. I don't know what I would've done if I hadn't come upon such a subject like this. I can now look ahead to my future. Thanks so much for your high quality and sensible guide. I won't hesitate to suggest your site to any individual who desires recommendations about this subject matter.
yeezy 350 http://www.yeezy-350.us.com
Reply golden goose outlet
7:50 on 15 December, 2020 
I have to get across my admiration for your generosity giving support to those people that must have assistance with this important situation. Your real dedication to getting the message across had become unbelievably important and has constantly encouraged men and women like me to arrive at their objectives. This warm and friendly suggestions implies a whole lot to me and substantially more to my colleagues. Best wishes; from each one of us.
golden goose outlet http://www.goldengoosessale.com
Reply longchamp outlet
7:50 on 15 December, 2020 
Thank you a lot for giving everyone an exceptionally terrific opportunity to read in detail from this site. It's usually very nice and also stuffed with amusement for me and my office friends to visit your site the equivalent of three times in 7 days to see the fresh secrets you have got. And indeed, I'm so actually happy with all the great knowledge you serve. Certain two tips on this page are honestly the most effective we have all ever had.
longchamp outlet http://www.longchampoutlets.us
Reply pandora jewelry
7:50 on 15 December, 2020 
My wife and i ended up being so delighted John could deal with his inquiry out of the precious recommendations he made using your web pages. It is now and again perplexing to simply possibly be releasing tips and hints some other people might have been trying to sell. So we remember we have you to be grateful to because of that. The type of explanations you made, the straightforward web site navigation, the relationships you give support to foster - it is everything superb, and it is assisting our son in addition to us understand that idea is excellent, which is certainly extremely serious. Many thanks for the whole lot!
pandora jewelry http://www.pandorascharms.us
Reply curry shoes
7:48 on 15 December, 2020 
Needed to write you a little remark so as to say thank you again relating to the extraordinary secrets you've provided on this page. It's simply unbelievably open-handed of people like you to deliver freely all that most of us might have advertised for an electronic book to get some cash for their own end, and in particular considering that you could possibly have done it if you ever decided. These guidelines additionally acted to be a fantastic way to fully grasp most people have a similar passion just like my personal own to see lots more when considering this issue. I'm certain there are thousands of more pleasurable moments up front for people who start reading your blog post.
curry shoes http://www.curry7shoes.us
Reply yeezy
7:08 on 15 December, 2020 
My wife and i ended up being quite thrilled when Jordan managed to round up his inquiry using the ideas he had from your own web page. It's not at all simplistic to just possibly be making a gift of tricks that most people have been trying to sell. We really realize we have got you to appreciate for this. The entire explanations you made, the straightforward site menu, the relationships you will make it possible to foster - it's all astonishing, and it's making our son and the family reckon that the subject matter is cool, and that's wonderfully mandatory. Many thanks for everything!
yeezy http://www.yeezy-shoes.us.org
Reply supreme new york
7:08 on 15 December, 2020 
I have to express thanks to this writer just for bailing me out of such a incident. Just after looking throughout the search engines and meeting concepts which were not beneficial, I thought my life was done. Existing minus the strategies to the problems you've fixed all through this review is a serious case, and ones which might have in a negative way damaged my career if I had not discovered the blog. Your own personal competence and kindness in touching all the details was vital. I'm not sure what I would've done if I hadn't come across such a point like this. I can also at this point relish my future. Thanks for your time so much for your specialized and amazing guide. I will not think twice to refer your blog to any individual who ought to have assistance about this problem.
supreme new york http://www.supreme-newyork.us.com
Reply yeezys
7:07 on 15 December, 2020 
I simply wished to appreciate you all over again. I am not sure the things I would have used without these concepts documented by you regarding my subject. It was before a very frightening situation in my circumstances, but noticing the very skilled avenue you solved that made me to weep with gladness. I'm thankful for your assistance and thus sincerely hope you know what a powerful job that you're providing training the others all through your web site. I am certain you've never met all of us.
yeezys http://www.yeezys.in.net
Reply eerovaidobaba
7:07 on 15 December, 2020 
Dapsone, cpo.svaw.nealhomeloans.com.ehl.sf ulceration; stones, house
URL=http://umichicago.com/priligy/ says...
priligy
URL=http://naturalbloodpressuresolutions.com/cialis-online-shop-
deutschland-germany/ says...
cialis
URL=http://umichicago.com/psycotene/ says...
buy psycotene online canada
URL=http://naturalbloodpressuresolutions.com/information-on-reti
n-a/ says...
retin a kaufen billig
URL=http://alanhawkshaw.net/levitra-20-mg/ says...
generic levitra
URL=http://memoiselle.com/hyzaar/ says...
cheapest hyzaar
URL=http://besthealth-bmj.com/viagra-by-mail-canada/ says...
viagra by mail canada
URL=http://sunsethilltreefarm.com/cialis-super-active/ says...
generika f??r cialis super active
URL=http://oliveogrill.com/generic-levitra-20mg/ says...
best levitra
URL=http://cafeorestaurant.com/vardenafil/ says...
vardenafil every day
threshold, priligy cialis online shop deutschland germany buy psycotene uk online retin a pills information on retin a levitra online hyzaar viagra by mail canada normal cialis-super-active cost dosis de levitra vardenafil medication online vardenafil sales outlets mobilise variceal solution http://umichicago.com/priligy/ dapoxetine 60mg http://naturalbloodpressuresolutions.com/cialis-online-shop-deuts
chland-germany/ cialis http://umichicago.com/psycotene/ psycotene http://naturalbloodpressuresolutions.com/information-on-retin-a/ information on retin a http://alanhawkshaw.net/levitra-20-mg/ levitra 20 mg http://memoiselle.com/hyzaar/ online hyzaar online hyzaar http://besthealth-bmj.com/viagra-by-mail-canada/ viagra 50mg price usa http://sunsethilltreefarm.com/cialis-super-active/ cialis-super-active on line orders http://oliveogrill.com/generic-levitra-20mg/ levitra http://cafeorestaurant.com/vardenafil/ vardenafil online shopping burns, ecstasy cross-react tubers.
Reply ojibulurezae
7:06 on 15 December, 2020 
Usually lkr.zehz.nealhomeloans.com.pht.cm competent; contexts, hormones;
URL=http://johncavaletto.org/drug/prednisone-20mg/ says...
prednisone 20mg
URL=http://naturalbloodpressuresolutions.com/viagra-soft/ says...
cheap viagra soft us companies only
viagra soft generic discount
URL=http://kamo-family.com/viagra/ says...
viagra
URL=http://mrcpromotions.com/cialis-super-active/ says...
cialis super active
URL=http://a1sewcraft.com/cheapest-plaquenil/ says...
plaquenil history
URL=http://belizedestinations.com/viagra/ says...
viagra
URL=http://memoiselle.com/item/bentyl/ says...
canada bentyl
URL=http://adailymiscellany.com/lasix/ says...
generic lasix india pharmacy
URL=http://naturalbloodpressuresolutions.com/amoxicillin/ says...
buying amoxicillin from canada
URL=http://sunsethilltreefarm.com/lyrica/ says...
get lyrica without prescription
URL=http://umichicago.com/generic-levitra-vardenafil-20mg/ says...
buy levitra on line
URL=http://ethnicwho.com/how-much-are-cialis/ says...
order cialis 2.5mg
urethral tabes generic prednisone lowest price cheap viagra soft us companies only viagra 100 mg for sale online usa viagra online in italia cialis super active plaquenil viagra generic bentyl at walmart online lasix sales canada amoxicillin pharmacie du canada low cost lyrica generic levitra without prescription no script cialis 5mg restricted http://johncavaletto.org/drug/prednisone-20mg/ prednisone capsules for sale http://naturalbloodpressuresolutions.com/viagra-soft/ cheap viagra soft us companies only http://kamo-family.com/viagra/ generic viagra lowest prices without perscription http://mrcpromotions.com/cialis-super-active/ cialis super active generic http://a1sewcraft.com/cheapest-plaquenil/ plaquenil http://belizedestinations.com/viagra/ viagra to buy online http://memoiselle.com/item/bentyl/ bentyl http://adailymiscellany.com/lasix/ lasix available canada http://naturalbloodpressuresolutions.com/amoxicillin/ cost of amoxicillin amoxicillin online overnight shipping http://sunsethilltreefarm.com/lyrica/ billig lyrica kaufen http://umichicago.com/generic-levitra-vardenafil-20mg/ levitra ca http://ethnicwho.com/how-much-are-cialis/ cialis generika cialis by the pill began melanin nonmedical.
Reply kyrie 5
7:05 on 15 December, 2020 
Thanks a lot for providing individuals with such a marvellous chance to discover important secrets from this site. It is usually so terrific and also full of amusement for me personally and my office co-workers to visit your website nearly 3 times per week to see the fresh secrets you have got. Of course, I'm so certainly amazed with the astounding creative ideas you give. Selected 3 ideas on this page are indeed the simplest we have ever had.
kyrie 5 http://www.kyrie5.org
Reply sicehiwi
7:01 on 15 December, 2020 
At fsw.vywv.nealhomeloans.com.xtz.xk metastases; femoral ova
URL=http://weareupnorth.com/nizagara/ says...
nizagara
URL=http://davincipictures.com/synthroid-order-uk/ says...
synthroid buy in canada
URL=http://sunsethilltreefarm.com/kamagra/ says...
kamagra 50 mg online italia
kamagra online america
URL=http://kamo-family.com/prednisone/ says...
overnight shipping on prednisone
URL=http://weareupnorth.com/cialis-professional-cost-canada/ says...
buy cialis online malaysia
URL=http://herbalfront.com/cost-cialis-walmart/ says...
lowest price generic cialis canada
URL=http://weareupnorth.com/cheap-prednisone-no-prescription/ says...
40 prednisone for sale
URL=http://cafeorestaurant.com/cialis-generic-overnight-state-un
ited/ says...
cialis india cost
URL=http://besthealth-bmj.com/avana/ says...
avana
URL=http://gaiaenergysystems.com/amoxicillin-500mg-capsules/ says...
amoxil 500 mg
patient: nizagara forsale in arizona cheap synthroid on line kamagra 50 mg online italia prednisone where to buy cheap cialis online cialis buying low price generic prednisone cialis generic overnight state united best avana prices 100mg amoxicillin 500mg amoxicillin 500mg capsules ashamed winner discomfort http://weareupnorth.com/nizagara/ nizagara forsale in arizona http://davincipictures.com/synthroid-order-uk/ lowest price synthroid synthroid cheapest online http://sunsethilltreefarm.com/kamagra/ kamagra online america http://kamo-family.com/prednisone/ prednisone without a prescription 20 mg best price prednisone australia http://weareupnorth.com/cialis-professional-cost-canada/ best price 20 generic cialis http://herbalfront.com/cost-cialis-walmart/ sale generic cialis http://weareupnorth.com/cheap-prednisone-no-prescription/ best generic prednisone 5 prices http://cafeorestaurant.com/cialis-generic-overnight-state-united/
cheap cialis 5 mg http://besthealth-bmj.com/avana/ avana 50 online pharmacy http://gaiaenergysystems.com/amoxicillin-500mg-capsules/ amoxicillin 500mg capsules prolific improvement, spleen refill.
Reply ikeotilicobim
6:31 on 15 December, 2020 
Bronchiectasis icx.etac.nealhomeloans.com.mvy.fw mandibular tropical
URL=http://ethnicwho.com/viagra-daily-dose-online/ says...
viagra
URL=http://herbalfront.com/cialis-order-online-australia/ says...
cialis costo farmacia
URL=http://agami360.com/kamagra/ says...
kopen kamagra
URL=http://medipursuit.com/amoxicillin/ says...
can u get amoxicillin on line
URL=http://bay-head-nj.com/vidalista/ says...
vidalista vendita online in italia
URL=http://creativejamaicans.com/drug/ampicillin/ says...
ampicillin.com
URL=http://center4family.com/propecia/ says...
generic propecia
URL=http://agami360.com/cialis-super-active/ says...
cialis super active
URL=http://mannycartoon.com/cialis/ says...
cialis
URL=http://weareupnorth.com/cheapest-25mg-viagra-canada/ says...
viagra for men at wholesale prices
buy viagra sachet
URL=http://thefashionhob.com/clomid/ says...
clomid
buy clomid online
URL=http://a1sewcraft.com/walmart-viagra-100mg-price/ says...
buy generic viagra
facilitates hypoplasia, modified, cheapest viagra 50 on line, no prescription, cialis kamagra net can u get amoxicillin on line vidalista in baltimore lowest price for ampicillin propecia buy cialis super active rx paypal generic cialis viagra without prescription generic clomid viagra generic viagra generic pugtail dysphasia, http://ethnicwho.com/viagra-daily-dose-online/ viagra daily dose online http://herbalfront.com/cialis-order-online-australia/ cialis http://agami360.com/kamagra/ kamagra http://medipursuit.com/amoxicillin/ amoxicillin amoxicillin http://bay-head-nj.com/vidalista/ vidalista vendita online in italia http://creativejamaicans.com/drug/ampicillin/ walmart ampicillin price http://center4family.com/propecia/ propecia http://agami360.com/cialis-super-active/ cialis super active http://mannycartoon.com/cialis/ no prescription cialis http://weareupnorth.com/cheapest-25mg-viagra-canada/ viagra http://thefashionhob.com/clomid/ clomid http://a1sewcraft.com/walmart-viagra-100mg-price/ cheapest viagra reperfusion discussion.
Reply hawumori
6:29 on 15 December, 2020 
The hxt.yyda.nealhomeloans.com.ynj.vw reperfused antiepileptic unloved
URL=http://thefashionhob.com/viagra-strong-pack-40/ says...
viagra-strong-pack-40 generic
URL=http://sunsethilltreefarm.com/cialis-type-medications/ says...
pharmacy on line cialis
cialis
URL=http://sunsethilltreefarm.com/avis-kamagra-europe-en-ligne/ says...
kamagra drug
URL=http://homemenderinc.com/tadalafil-20mg-lowest-price/ says...
cialis
URL=http://belizedestinations.com/voltaren/ says...
buy cheapest voltaren 100 mg
URL=http://elsberry-realty.com/cialis-black-800mg-information/ says...
cialis black 800mg information
URL=http://a1sewcraft.com/canadian-online-pharmacy/ says...
pharmacy
URL=http://oliveogrill.com/levitra-20/ says...
best price levitra 20 mg
URL=http://center4family.com/flagyl/ says...
flagyl 500mg
URL=http://adailymiscellany.com/viagra-buying-cheap/ says...
viagra oral jelly 100mg
viagra dallas no prescription online
URL=http://stuffpanda.com/cheap-prednisone-uk-site/ says...
prednisone low prices
URL=http://thenectarystpaul.com/product/amoxil/ says...
price amoxil walgreens
disappear, ring; viagra-strong-pack-40 no prescription cialis kamagra walmart pharmacy prices cialis tadalafil 5 mg voltaren mexican pharmacy buy cialis black online canada online pharmacy no prescription levitra.com flagyl 500mg viagra prednisone amoxil gaze, statutory rehabilitation http://thefashionhob.com/viagra-strong-pack-40/ viagra-strong-pack-40 http://sunsethilltreefarm.com/cialis-type-medications/ buy online cialis http://sunsethilltreefarm.com/avis-kamagra-europe-en-ligne/ kamagra 50mg jelly http://homemenderinc.com/tadalafil-20mg-lowest-price/ tadalafil 20mg lowest price http://belizedestinations.com/voltaren/ voltaren receta http://elsberry-realty.com/cialis-black-800mg-information/ cialis black 800mg information http://a1sewcraft.com/canadian-online-pharmacy/ walmart pharmacy cialis 20mg pharmacy http://oliveogrill.com/levitra-20/ 20mg levitra http://center4family.com/flagyl/ flagyl antibiotic http://adailymiscellany.com/viagra-buying-cheap/ super strength viagra http://stuffpanda.com/cheap-prednisone-uk-site/ best prices on prednisone in toronto http://thenectarystpaul.com/product/amoxil/ pharmacie online amoxil discount carcass-hygiene dully armour.
Reply AmyIcent
6:16 on 15 December, 2020 
url=http://sildanafil.com/ says...
25 mg viagra
Reply supreme
6:06 on 15 December, 2020 
I must voice my admiration for your generosity in support of folks who actually need guidance on the subject. Your special commitment to getting the message all through came to be exceedingly effective and have always helped somebody like me to reach their dreams. This valuable recommendations indicates a lot to me and a whole lot more to my office colleagues. Thank you; from all of us.
supreme http://www.supremesonline.com
Reply retro jordans
6:06 on 15 December, 2020 
I have to show thanks to the writer just for bailing me out of this type of crisis. Right after looking through the online world and seeing advice which are not helpful, I believed my life was done. Being alive without the presence of solutions to the difficulties you've sorted out as a result of your main review is a serious case, and ones that would have in a negative way damaged my entire career if I had not discovered your website. Your main competence and kindness in taking care of every aspect was invaluable. I don't know what I would have done if I hadn't discovered such a step like this. I am able to at this point look forward to my future. Thank you very much for your impressive and sensible guide. I won't hesitate to suggest your web site to any individual who should have guidelines on this problem.
retro jordans http://www.retrojordanssale.com

Categories

0
/
Lightbox image