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Fairway Mortgage

Independent Mortage Corporation

Call Us 717-431-9299
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Home / Refinancing / Mortgage Analysis

Mortgage Analysis

At FAIRWAY, we begin with a Mortgage Analysis Plan. A mortgage is just one piece of your financial picture, and it is important that you have a solid mortgage plan that leaves you room to grow and allows flexibility for life’s unexpected events.

 


What to Expect

Because each family has different home financing needs, we customize a unique Mortgage Analysis Plan to meet your specific wants and needs. Then we help you integrate the loan program you choose into your long and short term financial goals.

  • Schedule a Mortgage Consultation with us to discuss your goals and options (30-45 minutes).
  • We create a MAP (Mortgage Analysis Plan) designed around your specific goals and needs.

What We Need From You

In order to pull a credit report, we will need:

  • Full Names
  • Social Security Numbers
  • Home Address & Phone Number
  • Copy of W2s and tax returns for the last 2 years.
  • Copy of 2 months most recent bank statements (all pages please, even if blank).

Click here if you have to provide internet statements or teller print-outs Copy of 1 month most recent pay stubs.

One way to provide us with information we need to start your file is to fill out our secure Online Application.


Do

  • Provide all pages of bank and asset statements, even if blank.
  • If your statements indicate large deposits we will need to have a paper trail showing where the deposits came from and why.
  • Stay current on your existing accounts.
  • Opt out from the credit bureau lists at www.optoutprescreen.com to protect yourself from potential identity theft and so you aren’t bombarded with unsolicited offers after settlement.

Don’t

  • Don’t worry about rates yet. When you have a MAP that works for you and are ready to take an Application, then together we can begin watching for the best time to lock a rate.
  • Don’t provide teller or internet print-outs for bank statements – we cannot use them.
  • Don’t apply for new credit when applying for a mortgage. A new debt could change everything.
  • Don’t close credit card accounts or consolidate your debts onto one card. This could cause more harm than help to your credit score.
  • Don’t overextend yourself. Try to be realistic about what monthly payment you can handle.

Call us or fill out your application online to determine eligibility
717-431-9299

  • Refinance Documentation Checklist
  • Mortgage Analysis
  • Application
  • Processing
  • Underwriting
  • Clear to Close

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FAIRWAY Independent Mortgage Corp.

801 Estelle Drive
Lancaster, PA 17601
717-431-9299

Branch NMLS: 2289
Licensed by the State of PA
Equal Housing Lender

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Not everyone will qualify to buy a home.  Mortgage interest rates, loan programs, credit standards and guidelines change frequently.  Call us for more information and to discuss your plans in more detail: 717-431-9299.

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