Jeorginna Pyles, Sr Loan Officer

with Service First Mortgage Company,

Will assist you with all your home loan needs

Located in Garland, Texas a suburb of Dallas, we serve home loan industry in and around the Dallas Metroplex

.....Live Up to our Name, Service First

So you're buying a home. Not an easy decision by any means, but at Service First Mortgage, we make it our mission to simplify the process as much as possible. The purchase of a home is probably the most significant single purchase most of us will make in our lives - a decision and transaction that is much easier to make with the right information! The Process: Easy As 1-2-3 1. Loan Application Your Service First Mortgage Loan Officer will review the Loan Application Checklist with you to ensure that you are prepared and have brought all necessary documents to loan application. Your Service First Mortgage Loan Officer will take your application on a computer, transmit your application to our processing system and order your credit report. During your Loan Application, you can expect to receive: The best loan program for your needs An estimate of funds you will need for loan approval and closing (Good Faith Estimate) An estimate of your total monthly house payment A review of your credit report (the credit reporting agency may also contact you) A list of documents necessary to complete your application and approval, if any   2.  Underwriting/Processing the Loan Application Depending on the type of loan and transaction, it may be possible to use Service First's Automated Underwriting System to immediately underwrite and approve your loan! This system allows Service First to expedite the approval by eliminating unnecessary paperwork, reducing the amount of documentation, and move to closing more quickly and efficiently! If your loan is not approved immediately, it will go directly to a Service First's Underwriter to determine exactly what additional documentation or criteria it will take to approve your loan. During the Underwriting/Processing of your loan, you can expect Service First to: Call you with an introduction and status of your loan Provide you with a Truth-In-Lending statement Order and evaluate your property appraisal Order and review the property title documents Make a final underwriting decision on your loan Confirm the date, time, and location of your loan closing Communicate with you and your real estate agents during the process Prepare and review the Settlement Statement (HUD-1) in advance of your closing Prepare your loan package for closing day and forward the loan to the Title Company/closing agent 3.  Closing Your Mortgage Loan During your loan closing, you can expect to: Have the Title Company/Closing Agent explain the closing documents to you Receive copies of all of the important loan closing documents for your records Congratulations! You  Congratulations! You are a homeowner! Call Jeorginna Pyles for All your home loan needs today!  (972) 864-4977 (office) (214)334-6634 (cell) 972-497-6475 (fax) Home Loan Application Preparation Checklist Getting a mortgage approved quickly requires your help. We can promptly and definitively respond to your needs only when these documents are reviewed. Use this form as a checklist. Bring   Consecutive paycheck stubs covering the last 30 days (five if paid weekly, three if paid every two weeks, two if paid twice a month, one if paid monthly).   If you receive income by:   SALARY-HOURLY - please provide copies of previous 2 years W2's.   COMMISSIONED -- please provide copies of previous 2 years Tax Returns, including all schedules.   SELF EMPLOYED -- please provide copies of previous 2 years Tax Returns, (corporate, partnership or S-Corporation Federal Income Tax Returns with all schedules and K-1s), and a current year-to-date Profit and Loss Statement prepared by your accountant.   CHILD SUPPORT(as income) --Copy of payment history from OAG Child Support Services for past 2 years or cancelled checks for 12 consecutive months.   SOCIAL SECURITY or DISABILITY INCOME --Past 2 years 1099's, copy of current year Awards Letter, copy of most recent check or copy of last 3 months bank statements with direct deposit.   Complete statements (all pages) for the last three months for all checking, savings, CD, money market, stocks, bonds, IRAs, 401Ks or other bank and investment accounts. If applicable: Names, addresses and telephone numbers of your landlords for each residence you rented over the last two years. If applicable: Complete copy of divorce decree and associated addendums indicating alimony and child support payments. If applicable: Complete bankruptcy papers, including filings and discharges. For recent graduates (in last two years): Copies of transcripts or diploma showing the date of graduation. VA buyers: DD-214 and Certificate of Eligibility If applicable: Copy of Settlement Statement from sale of previous home. Check to Service First Mortgage for $325 for Appraisal - CONVENTIONAL & VA LOANS. Check to Service First Mortgage for $425 for Appraisal - FHA LOAN.   REFINANCE LOANS   Copy of your Title Documents. Usually the Title Company/Closing Agent gave these documents to you in a folder when you originally purchased your home which include the following:   Copy of the Loan Note, Copy of the Settlement Statement, Copy of the Title Policy, Copy of Blueline Survey Copy of your Monthly Payment Coupon with loan account number. Proof of HomeOwners Insurance About Us | Contact Us | Site Map | Loan Application | Services | More Links