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Richard Contreras, President (954) 524-7960 Phone (Best)
Richard Contreras, President (954) 524-7960 Phone (Best)
Home Trend Mortgage Corp. (954) 610-7123 Cell and Text
Home Trend Mortgage Corp. (954) 610-7123 Cell and Text
Fort Lauderdale, FL 33301
Fort Lauderdale, FL 33301
Dear Borrower,
Dear Borrower,
To provide you the quickest service possible, please “Click here for Quick and Easy Application".
Fill in as much info as you can, please call me if you have any questions, I’m available till 9:00 PM.
Thank you for calling on me. I will personally take care of you.
Thank you for calling on me. I will personally take care of you.
We know you have many choices to secure a mortgage.
We know you have many choices to secure a mortgage.
I will make sure you receive the best available interest rate and lowest cost options.
I will make sure you receive the best available interest rate and lowest cost options.
With me you will be kept informed during the whole process at each step, so no last minute surprises.
With me you will be kept informed during the whole process at each step, so no last minute surprises.
You will deal with me personally and may contact me any time.
You will deal with me personally and may contact me any time.
We can take the application same day and have an application lender underwritten in 1-2 days, so you do not waste time.
We can take the application same day and have an application lender underwritten in 1-2 days, so you do not waste time.
I can often structure the loan with a credit to the borrower to help them offset some of the closing costs.
I can often structure the loan with a credit to the borrower to help them offset some of the closing costs.
We provide efficient service to close the loans as quickly as possible.
We provide efficient service to close the loans as quickly as possible.
As the owner, I have over 30 years of experience and can offer many options and solutions.
As the owner, I have over 30 years of experience and can offer many options and solutions.
Thank you; for the opportunity to Pre-qualify your Mortgage Loan.
Thank you; for the opportunity to Pre-qualify your Mortgage Loan.
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General credit info below is my experienced opinion:
1) Go to www.optoutprescreen.com or call 1-888-5-OPT-OUT (1-888-567-8688) prevent unsolicited credit offers and usually improved credit score quickly 5-7 points. Select 5 year, electronic opt-out.
https://www.consumer.ftc.gov/articles/how-stop-junk-mail
2) Keep or paydown debt balance owed below 30 % of limit. Keep small balance so creditor keeps reporting good credit history.
3) Get on as an Authorized User of someone who has good credit and very low debt balance.
4) Do not close out any paid off creditors. Keep creditor account open so they keep reporting active good credit history.
5) Get Secured Credit card; most large banks offer these. Secured by a savings account.
6) Only pay on collection accounts if you are going to settle them in FULL (no partial payments or payment plans), ask if they will DELETE negative trade line once paid.
7) If any of your credit reporting agencies are frozen, please remove the freeze ASAP leave unfrozen till you close.
IMPORTANT: Lenders DO NOT accept or use credit reports that have ANY FROZEN credit bureaus or any Creditor Trade Lines showing in “DISPUTE.”
Please make sure there are NO trade lines in dispute (either by you) or if you hired a company to “improve” your credit; that they do not still have any DISPUTES left with any creditor tradelines.
ALL DISPUTES must be removed. ALSO UNFREEZE all Credit Bureaus (Equifax, Transunion, or Experian or XPN) if any of them are FROZEN.
Confirm with any Co-borrowers or Married Joint- borrowers; that they have do not have ANY FROZEN credit bureaus or any Creditor Trade Lines showing in “DISPUTE.”
Contact the Credit Bureau: Experian (XPN) at 888-397-3742 or Equifax (EFX) at (800) 685-1111 or Trans Union (TUC) at (800) 916-8800 and request that they UNFREEZE your credit report and ask how long it will take for the freeze to be removed.
Usually, I can pull a new credit report 24 hours after you take action to Unfreeze your credit report.
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CHECKLIST OF DOCUMENTS NEEDED TO PROCESS A MORTGAGE LOAN:
CHECKLIST OF DOCUMENTS NEEDED TO PROCESS A MORTGAGE LOAN:
( 1 ) Contact info for your Insurance Agent; if one you want me to get a quote from them.
( 1 ) Contact info for your Insurance Agent; if one you want me to get a quote from them.
( 2 ) Past 2-years; 1040 Tax Returns; All Pages & Schedules & Signed by you; the taxpayer.
( 2 ) Past 2-years; 1040 Tax Returns; All Pages & Schedules & Signed by you; the taxpayer.
( 3 ) Past 2-years; W-2’s and / or 1099 for all sources of Income received.
( 3 ) Past 2-years; W-2’s and / or 1099 for all sources of Income received.
( 4 ) Last two-month Bank Statements (please send ALL pages that came with the statement)
( 4 ) Last two-month Bank Statements (please send ALL pages that came with the statement)
( 5 ) Last two most recent Pay Stubs, covering a 30-day period.
( 5 ) Last two most recent Pay Stubs, covering a 30-day period.
( 6 ) Most recent assets statements; 401K, Investment and /or Savings Accounts (all pages)
( 6 ) Most recent assets statements; 401K, Investment and /or Savings Accounts (all pages)
( 7 ) Driver’s License Copy (forward a picture taken with your cell phone to my E-Mail)
( 7 ) Driver’s License Copy (forward a picture taken with your cell phone to my E-Mail)
( 8 ) Social Security or Pension awards letter or evidence of additional income (if applicable)
( 8 ) Social Security or Pension awards letter or evidence of additional income (if applicable)
( 9 ) ALL Current Mortgage Loan, HELOC, Energy Home improvement and/or Ygreen / Pace Loan Statements
( 9 ) ALL Current Mortgage Loan, HELOC, Energy Home improvement and/or Ygreen / Pace Loan Statements
( 10 ) Copy of Social Security Card(s), VISA, or Permanent Residence / “Green Card".
( 10 ) Copy of Social Security Card(s), VISA, or Permanent Residence / “Green Card".
Additionally, I will need to pull your Credit Report, so please send me your e-mailed permissions to do so.
Additionally, I will need to pull your Credit Report, so please send me your e-mailed permissions to do so.
Thank you,
Thank you,
Richard Contreras NMLS #393415 / Home Trend Mortgage Corp. NMLS # 394523
Richard Contreras NMLS #393415 / Home Trend Mortgage Corp. NMLS # 394523
Click here - for List of docs. needed to pre-approve your loan - Link to this WEB HOME PAGE
We are happy to assist you with the electronic application, please do not hessite to call. Hablamos Español.
We are happy to assist you with the electronic application, please do not hessite to call. Hablamos Español.
We can help you with VA, FHA, Conventional, USDA, ALT-A Non QM, Private and Hard Money Lender Loans.
We can help you with VA, FHA, Conventional, USDA, ALT-A Non QM, Private and Hard Money Lender Loans.
Equal Housing Lender / Broker. ALL Interest Rates are subject to change till locked.
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