Homebuyer Welcome Kit. Guide to Financing Your Home Purchase
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1 Homebuyer Welcome Kit Guide to Financing Your Home Purchase
2 2 I take away from the process a company that genuinely cares for each of their clients in all situations of life and would recommend them to anyone. Tracy, Florida At The Bank of England, we take pride in the being there when our borrowers need us, day and night. Our mission is to deliver total value to our customers. This means competitive price, HASSLE-FREE service, extensive product knowledge, and a friendly helpful attitude. Since our doors opened in 1898 in England, Arkansas, The Bank of England has been providing down home service. Along with powerful nationwide mortgage loans, we offer clients peace of mind knowing they are working with a credible national mortgage banker. Our success is due primarily to the talent of our people and access to hundreds of mortgage products at industry best pricing. Our management team has a combined 150 years of mortgage experience and is actively involved as members and board members on local, state and national mortgage broker and banker associations. Meet Your Guide A Jacksonville native, Austin Sherrill received his Bachelor of Arts from Florida State University and has since made Jacksonville his home again. Dedicated to assisting clients through the home buying process, Austin finds continuing to expand his knowledge essential to providing the best client care. AUSTIN SHERRILL In his personal time, Austin enjoys watching Jaguar and Florida State football and playing guitar. CREDIT MANAGER
3 Items Needed for Priority Qualification 3 Thank you for choosing Bank of England for your mortgage needs! You will find the items needed for the Priority Qualification process below. Please gather these items (digitally or physically) and send to me when possible. If you are missing any of the documents, please do not hesitate to send me what you already have. If you have any questions, please call or . Needed From Each Person on Application q 2014 & 2013 Filed Tax Returns (all pages) q 2014 & 2013 W2s (& 1099 s if applicable) q Paystubs: Most recent 30 days consecutive q Last 2 months of all asset statements (all pages) Examples: Checking/savings account statements, stocks, 401k, etc. q Copy of current mortgage & homeowners insurance statements if you currently own a property(s) q Copy of Driver s License (picture taken on phone then ed is acceptable) If You Are Self Employed q Copy of 2014 & 2013 business tax returns (all pages) If You Have Retirement Income q Copy of your Social Security Award Letter for 2015 q Copy of 1099 s for Social Security for 2014 & 2013 q For pension income, award letter showing monthly amount & copy of 1099 s for 2014 & 2013 If You Have Child Support/AlimonyIncome q Copy of full divorce decree/child support order (must continue for 3 years) q Proof of money going into bank accounts for past 6 months I look forward to helping you and your family reach your financial goals! If you have any questions on these items, please let me know.
4 Mortgage Do & Don t Guide 4 During the course of purchasing a home, it is very important to consult with your Mortgage Banker to ensure nothing compromises your mortgage eligibility. Use the guide below to guide your actions: Do Get your documents to me as quickly as possible. Delays in obtaining documents or signatures could delay the loan. Pay all of your bills on time. If you are refinancing, this includes your existing mortgage. Don t Borrow money for your earnest money/binder or money to close Deposit large amounts of cash into bank account Apply for a credit card, auto loan or co-sign a loan Close any existing lines of credit Max out, consolidate or miss payments on your existing credit cards Change your name Dispute accounts Spend funds marked for closing Change your employer/job/income Schedule any services until the closing date has been confirmed by both Bank of England and the title company. This includes, but is not limited to floor installation, painters, movers, television/internet services and so forth. If you want to schedule these services, please confirm the closing date beforehand.
5 The MortgageProcess 5 All mortgages are separate and unique. Some steps might differ based on loan scenario. Step 1: Application & Priority Qualification Loan Application Completed Priority Qualification Letter Issued Step 2: Purchase Contract Agreement of Purchase Price & Terms Loan Estimate (LE) Issued Step 3: Loan Processing Gather Any Remaining Info/Documents Appraisal & Title Work Ordered Step 4: Underwriting/Conditional Loan Approval Loan Approval Conditions Provided Required Documents Collected Step 5: Final Approval/Closing Processing Clear to Close Issued/Closing Scheduled Closing Disclosure (CD) issued 4 Days Before Closing Step 6: Closing Bring IDs/Funds to Close Sign Closing Documents
6 6 Getting in Touch Sutton Park Dr S #170 Jacksonville, FL NMLS # Contact Your Guide Whenever you need anything, I am your point of contact. You can call, text, or fax me using the contact details below: AUSTIN SHERILL NMLS # asherrill@boejax.com
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