Welcome! I am honored to help you get Pre-Approved! Now, in the event we have already talked on the phone, hopefully you know what to do here. In the event you're seeing this first, it's pretty simple.

This is your client launchpad. Here you will be able to keep up with EVERYTHING related to your mortgage. Both now, throughout the process, which I am excited to help you get through. Your Realtor asked me to reach out and get you pre-approved. To do that, we need to knock out 3 things-

1. Fill out this application -

https://portal.mortgagecircles.com/1003N/qPZ

or, hit APPLY in the right hand corner.

This is how I get all the information in order to qualify you. It is important to be as accurate as you can, but don't think you have to get everything 100% correct. Everything is verified about 3 times, because, well, that's the theme of mortgages. That said, if you don't know something, or are not comfortable putting that information in, just leave it blank. Information I HAVE to have will hard stop and turn red. If I don't need it, it will let you bypass that page. Please don't get frustrated. If you get confused or need help, call me and we can knock it out over the phone.

2. Knock out your credit report -

https://dylanjestes.startmyapplication.com

***TO AVOID UNAUTHORIZED COMPANIES FROM REACHING OUT PLEASE REGISTER FOR THIS OPT OUT PRESCREEN. THIS WILL LIMIT THE AMOUNT OF BOTTOM FEEDER LENDERS THAT WILL BUY YOUR INFORMATION DIRECTLY FROM THE CREDIT BUREAU REPORTING AGENCIES. I DO NOT AND WILL NOT SELL YOUR INFORMATION EVER. -

https://www.optoutprescreen.com/

This will cost you $135 but you get a FULL copy of the report AND it is credited towards your closing costs. This is a pivotal part of getting you qualified

*IMPORTANT! IF YOUR SCORES ARE LOCKED PLEASE ENSURE THEY ARE UNLOCKED BEFORE PULLING. LOCKED SCORES WILL HAVE TO BE REPULLED*

*WHEN ENTERING LOAN INFO - Type - OTHER Loan Amount - $25000 Purchase Price - $30000 - this will help you avoid "trigger leads" or bottom feeder lenders from buying your information to solicit you. I WILL NOT AND DO NOT SELL YOUR INFORMATION - EVER.

*If you believe your score is less than 620, Experian Boost program might be worth a shot. Learn more here,

https://www.experian.com/consumer-products/score-boost.html?cc=van_tvr_boost

*For more credit tips, check out the resources tab or ask you Loan Officer directly

3. Send me the docs to verify the application through my secure portal -

https://www.dropbox.com/request/4Su3SRSEcbqGjrXJPZpE

1. Driver's License

2. Last 2 years W2s

3. Last 30 day paystubs

4. Last 2 months Bank statements

*if you are self employed, reach out so we can review your specific docs

From here, I will get you pre-approved and update this portal with next steps. CONGRATS on taking the first step! I look forward to working with you to make your goals happen! If you have any questions, I am always a phone call or text away - 314.250.0212