Tag Archives: #HomeLoan

Home Financing “Need List”

 

Kathleen Beck – Mortgage Lender

West Coast Mortgage Group

NMLS #243181 | BRE #01058848

Looking to buy or refinance a home is a very exciting time. It is also an important time for interested borrowers to organize their documents, better known as a “Needs List” to ensure your loan or re-fi is processed in a timely manner without unforeseen challenges.

The documents listed below are needed by your mortgage officer in order to verify the information you provided during the application process. These items should be sent at your earliest opportunity to expedite the processing of your request.

Documents Needed:

  • Copy of your Driver’s License
  • Copy of your Social Security Card
  • Legible copies of W-2’s and 1099s from last two tax years
  • Personal Federal Tax Returns from last two tax years
  • Statements for all checking, savings, investment and retirement accounts (including all pages for the last two months)
  • A letter of explanation for all non-payroll deposits into your accounts and copies of the checks deposited
  • Current pay-stubs from all borrowers (most recent 30 days)
  • Copy of Homeowners Insurance Policy Declaration Page showing the coverage and premium on all property owned
  • Current mortgage statements on all property owned

The entire loan and re-finance process takes approximately 30-45 days and mortgage officers should work to make this as simple and stress-free as possible. Once you have gathered the items above, send the documents via secure email, hand delivery, or by means you feel comfortable and you should have a smooth experience.

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A Person You Can Count On!

Many people when buying a home or refinancing their current home do not take the time to really get know their Mortgage Lender because they are shopping for the “Best Rate”.  Sometimes the “Best Rate” is at a cost to the borrower.  The cost can be higher fees to the buyer or homeowner or a very lengthy transaction that ends up costing the borrower more money because of lost locks on interest rates or penalties incurred from the seller for not closing on time.54721hgmbpa2889

I have always quoted my best price and kept my fees to a minimum.  I also encourage my clients to contact me anytime with questions they may have.  When you submit your loan application you will be working with me, not my assistant or loan processor.  Also, I make sure you understand the transaction and fell comfortable with the loan you are applying for.

What are the three elements of a Successful Home Purchase or Refinance?

  • TRUST
  • KNOWLEDGE
  • COMMUNICATION

What is important to you is important to.

I dedicate 100% of my time and energy servicing my clients. I spend most of my time in the office ensuring your file is getting the attention it deserves, not out in the field trying to obtain business from the general public. This way you will receive my undivided attention and dedication to every detail to you home loan or refinance. What this means to you is the highest level of service from my team. What’s important to you is important to me!

 

Please call or email me with any questions about buying and financing your dream home… Let me help make your dream of homeownership come true. I specialize in finding you the right loan that meets your specific needs and financial goals. With mortgage rates still near historic lows, make this year the year to make your homeownership dream come true. Kathleen@BeckHomeLoanPro.com or call 916-722-0395 to get started on your dream of home ownership.

 

Kathleen Beck

A person you can count on.

Kathleen@BeckHomeLoanPro.com

or call 916-722-0395

West Coast Mortgage Group 2716 Broadway

Sacramento, CA 95818 NMLS#243181

 

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Father’s Day?

Ever wonder why we have a Father’s Day?
Father’s Day was inaugurated in the United States in the early 20th century to complement Mother’s Day in celebrating fatherhood and male parenting.
After the success obtained by Anna Jarvis with the promotion of Mother’s Day in the US, some wanted to create similar holidays for other fabest-dad-songs-list-2014 family members, and Father’s Day was the choice most likely to succeed. There were other persons in the US who independently thought of “Father’s Day”, but the credit for the modern holiday is often given to Sonora Dodd, who was the driving force behind its establishment.

Father’s Day was founded in Spokane, Washington at the YMCA in 1910 by Sonora Smart Dodd, who was born in Arkansas.[3] Its first celebration was in the Spokane YMCA on June 19, 1910. Her father, the Civil War veteran William Jackson Smart, was a single parent who raised his six children there. After hearing a sermon about Jarvis’ Mother’s Day in 1909, she told her pastor that fathers should have a similar holiday honoring them. Although she initially suggested June 5, her father’s birthday, the pastors did not have enough time to prepare their sermons, and the celebration was deferred to the third Sunday of June.best-dad-songs-list-2014

It did not have much success initially. In the 1920s, Dodd stopped promoting the celebration because she was studying in the Art Institute of Chicago, and it faded into relative obscurity, even in Spokane. In the 1930s Dodd returned to Spokane and started promoting the celebration again, raising awareness at a national level. She had the help of those trade groups that would benefit most from the holiday, for example the manufacturers of ties, tobacco pipes, and any traditional present to fathers. Since 1938 she had the help of the Father’s Day Council, founded by the New York Associated Men’s Wear Retailers to consolidate and systematize the commercial promotion. Americans resisted the holiday during a few decades, perceiving it as just an attempt by merchants to replicate the commercial success of Mother’s Day, and newspapers frequently featured cynical and sarcastic attacks and jokes. But the trade groups did not give up: they kept promoting it and even incorporated the jokes into their adverts, and they eventually succeeded. By the mid-1980s the Father’s Council wrote that [Father’s Day] has become a Second Christmas for all the men’s gift-oriented industries.”

A bill to accord national recognition of the holiday was introduced in Congress in 1913. In 1916, President Woodrow Wilson went to Spokane to speak in a Father’s Day celebration and wanted to make it official, but Congress resisted, fearing that it would become commercialized. US President Calvin Coolidge recommended in 1924 that the day be observed by the nation, but stopped short of issuing a national proclamation. Two earlier attempts to formally recognize the holiday had been defeated by Congress. In 1957, Maine Senator Margaret Chase Smith wrote a proposal accusing Congress of ignoring fathers for 40 years while honoring mothers, thus “[singling] out just one of our two parents”. In 1966, President Lyndon B. Johnson issued the first presidential proclamation honoring fathers, designating the third Sunday in June as Father’s Day. Six years later, the day was made a permanent national holiday when President Richard Nixon signed it into law in 1972.

In addition to Father’s Day, International Men’s Day is celebrated in many countries on November 19 for men and boys who are not fathers.

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