Operations Manager

Zheylett Abreu

It's my job to facilitate the mortgage process! I work hand-in-hand with the Loan Officers, Processors, Underwriter, Realtors, Title Company, Insurance Company and YOU!

Let me guide you through the mortgage process... We provide detailed advice and planning through the whole process.

RESIDENTAL APPLICATION

Click here to start your application process or to return to an application you previously started. We have no application fees and there is no obligation!

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COMMERCIAL APPLICATION

Click here to start your application process or to return to an application you previously started. We have no application fees and there is no obligation!

True Commercial Loans, Investment Property, Rehabs, Private Money, Hard Money, Joint Ventures etc.

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Pre-approval or application document list

Purchase Pre-Approval List

Documentation needed- PURCHASE

· Paystubs – the last 2 paystubs

· Copy of the last 2 years of tax returns – 2020 & 2021 – all pages

· Copy of the last 2 years of W-2’s and/or 1099’s – 2020 & 2021

· Copy of your driver license and/or residence card

· Copy of the last 2 bank statements, all pages & every account

· Copy of the most recent quarterly brokerage / retirement accounts

· Copy of the most recent mortgage statements for all open mortgages, if applicable

· Additional documents may be needed

Refinance Document List

Purchase Pre-Approval List

Documentation needed- REFINANCE

· Paystubs – the last 2 paystubs

· Copy of the last 2 years of tax returns – 2019 & 2020 – all pages

· Copy of the last 2 years of W-2’s and/or 1099’s – 2019 & 2020

· Copy of your driver license and/or residence card

· Copy of the last 2 bank statements to reflect the assets needed for reserves, if applicable

· Copy of the most recent mortgage statements for all open mortgages, if applicable

· Copy of the most recent HOA statements for all properties owned, if applicable

· If you should a have PACE, YGRENE or similar loan (a lien attached to your property taxes), please provide the complete installment contract and the most current monthly statement

· Copy of the owner’s title policy. This is the original title commitment, which you received when you first purchase your home. If you should have this document, you may be able to receive a re-issue credit for the new lender title insurance.

· Copy of the survey for the subject property (Florida Only)

Additional documents may be needed