First Call Carolyn 909-223-6904
Carolyn Vazquez
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     LOAN PRE-APPROVAL APPLICATION CHECKLIST

    Bank Statements: Last two months from all accounts Retirement: Last two months of retirement/pension, 401K and social security 1099 statements Pay Stubs:  Last 30 days Tax Returns:  Last two years of 1040 federal tax return, last two years of federal corporate and/or partnership tax returns (if self-employed), last two years of W-2 forms for wage earners Valid Identification: Copy of […]

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    Accurate Home Inspections

    Do you need a Physical Property Inspection? Call or Text Mike Verlingo at 626-513-1597.

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    Budget Home Preparation – Be Show Ready for Less

      Don’t stress – when you can prep for less. Call or text me at 909-223-6904 for a quote to get your home ready for showing before you put it on the market. First Impressions don’t happen a second time – be prepared from the beginning. In addition to multi-level design options, our team can […]

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    * Congratulations on making the decision to purchase a home!

    I look forward to helping you throughout this exciting process. Our first step is to get you preapproved with one of our preferred lenders.  In today’s market, all offers must include: Preapproval Letter Proof of Funds (such as a bank statement) In order to get preapproved, you’ll need: Last two years of your tax returns […]

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    * 10 Steps in the Process of Purchasing a Home

      1.     Find the home or homes you would like to place offers on & decide on a purchase price with the guidance of your Realtor. 2.    Receive a counter-offer, rejection, acceptance, or sometimes no answer at all if your purchase price is too low and other offers were above your offer. […]

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    * 10 Things NOT To Do When Applying For a Mortgage Loan AND Until You Close Escrow!

    1. Do not change jobs or become self-employed. 2. Do not buy a car, truck or van unless you plan to live in it. 3. Do not use your credit cards or let your payments fall behind. 4. Do not spend the money you have saved for your down payment. 5. Do not buy furniture […]

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    * Warning* Do not get a HERO Loan until you talk to me.

    “The name HERO stands for Home Energy Renovation Opportunity. The HERO Program is a Property Assessed Clean Energy (PACE) Program, which provides financing for energy-efficient, water-efficient and renewable energy products to home and business owners in approved communities within California and Missouri.” Hero – has nothing to do with this loan. It’s more like Highway […]

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    *First Time Home Buyer Down Payment Assistance Programs

    DID YOU KNOW… You can buy a home with a fico score as low as 580? There are California down payment assistance programs available with little to no money down? Even a regular FHA loan is only 3.5% down payment and on requires a fico score of 620? There are conventional loans as low as […]

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