We use a 55-point checklist to ensure our Pre-Approvals are valid. You can be confident in knowing we have exercised due diligence with prospective buyers. In 18 years, we've NEVER had a loan denied due to an invalid Pre-Approval. Now that's reliable!

See below for a few of the highlighted items we review.

Credit Report
We always run credit upfront. This includes a thorough review of liabilities, delinquent accounts, and hardship activities (foreclosures, short sales, bankruptcy, loan modification, etc.).

Tax Returns
We collect tax returns upfront on all files. Because we prepare tax returns as part of our business, we have extensive knowledge of tax forms. We understand how to account for rental properties, depreciation, and business income calculations. We are basically loan underwriters!

Pay Stubs
We immediately review pay stubs to accurately determine qualifying pay. This includes checking for wage garnishments, unusual deductions, inconsistent hours, low year-to-date pay as compared to previous years, etc. Our comprehensive review ensures there are no surprises!

W2s
We review all income documentation upfront, including W2s. Our W2 review validates consistent pay and employment history.

Asset Documentation
This is where most lenders fall short. We conduct a thorough review to ensure funds-to-close and reserves are in order. This means documenting all large deposits and properly paper-trailing any money moves during escrow.

Lender Guidelines
Our 55-point checklist ensures we account for often-missed lender guidelines such as Fannie Mae's "buy and bail" rule. Guidelines are changing very quickly in today's market. You need a lender who is knowledgeable and resourceful with guidelines!