Property loans.
A real file, built before you shop rates.
What it covers
Primary residence, second home, small investment property, and equity requests against an owned home.
Who this fits
Palm Beach and South Florida borrowers who want a real file organized before shopping rates.
Method
How we prepare this file.
Scenario
Primary, second home, investment, or equity: each one is underwritten differently. We pick the right lane first.
Package
Returns, statements, insurance, tax and HOA figures assembled into a lender-ready folder.
Comparison
We help you read real offers side by side: rate, points, cash to close and monthly payment.
Documents
What you will typically need.
- 01 · Two years of tax returns
- 02 · Two months of bank statements
- 03 · Homeowners insurance quote
- 04 · Property tax and HOA figures
Questions
Do you originate mortgages?
No. We prepare your file and help you compare offers. Origination stays with the lender.
How far in advance should I start?
Ninety days before you plan to make an offer is a comfortable window. Sixty is workable. Thirty is tight.