Justin has over 14 years of experience originating Mortgage Loans. Born and raised in NJ, he is a second generation Loan Originator. What sets Justin apart from other Mortgage Professionals is his outstanding level of customer service. He prides himself on being available for his clients at all times (nights/weekends). He also understands everyone has their own unique set of circumstances, so he listens carefully to make sure to select the right Mortgage product for their particular needs. His goal on every home purchase or refinance is to deliver clear communication, quick turn times, and provide an overall stress-free experience! Over the past 3 years, Justin has worked very closely with all members of the Pollock Properties Group. They’ve worked on dozens and dozens of successful purchase transactions together. It’s a huge advantage to have everyone “under the same roof” as it streamlines the entire process. It’s easy when everyone is on the same page, working towards the same goal!
Before you start looking for a home to buy, it’s a good idea to meet with your Loan Officer to get pre-approved for a loan amount. At this stage, the lender gathers information about income, assets and debts of the borrower (you) to determine how much house you may be able to afford. This includes a credit report, W-2 forms, pay stubs, Federal Tax Returns and recent bank statements. There are a variety of different loan programs, so make sure to get pre-qualification for the specific programs that best suit your needs.
When you find property you’re ready to buy, your lender will help you complete a full mortgage loan application, and talk you through the various fees and down payment options. The application is submitted to processing, where the documents are reviewed and appraisals and title examination are ordered. Then the loan is sent to an underwriter, who reviews and approves the entire loan if it meets compliance.
Don’t be surprised if you’re asked for additional documentation or clarification throughout the process. Once your loan is approved, don’t forget to set up homeowners insurance. Your documents will be sent to the title company, where you’ll sign for the new home and pay any remaining costs. Then the loan is recorded and you get the keys. Congratulations, happy homeowner!