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banner_background.gif (649 bytes)   Home | The Team | Communities | Financing | Homes | Info Request | Contact
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    Mortgage Information    
    Send me free   Mortgage Information package!    
         
         

Select Mortgage Services

     Your Key to the Perfect Home Mortgage
Your key to the perfect mortgage       

Benchmark Mortage  
bulletThe Best Rates!!!
bulletThe Best Service!!!
bulletA Special Mortgage Broker!!!

Why should Select Mortgage Service finance my home?

Select is an established mortgage broker, offering highly competitive loan products from a large group of mortgage lenders. There is no need to shop rates!!!

What makes Select Mortgage Services different?

We find the best rates from our established group of mortgage lenders. We process, underwrite and close locally. We make the extra investment to provide you with what you need.

Are your rates competitive?

It would be rare not to find us the very best priced in the market.

Is it easy to get a mortgage?

Yes! We're common sense lenders and abide by reasonable underwriting guidelines. We're in business to make good loans to qualified borrowers.

How does Select serve the need of the home buyer?

bulletSix month interest rate lock with float down option.
bulletReview and explanation of various financing options.
bulletPre-qualification and credit review at no cost.
bulletAutomation of the loan process from beginning to end.
bulletWe search for the best rates and terms.
bulletYou can receive formal loan approval even before you find a home!

How do I begin?

Give us a call. We will arrange an appointment with you to begin our relationship as your mortgage loan specialist.

Laura A. Hall - Loan Officer
9701 Gayton Road
Richmond, VA 23233
Office 804-741-4000
Cell 804-218-7876
Fax 804-741-1279
Processing 804-673-1900

Below is a list of items that will be needed during the processing of your loan. Please bring as many of these with you to loan application as you can. Items requested:

bulletIf selling home - copy of the contract to sell.
bulletIf renting - name and address of landlords for the past two years.
bulletFor VA loans - DD214 and Certificate of Eligibility.
bulletIf divorced - copy of final divorce decree and separation papers.
bulletIf past bankruptcy - copy of bankruptcy discharge and petition.
bulletIf using support for income - last twelve months cancelled checks or bank statements to show receipt.
bulletCurrent leases for any investment properties owned and rented.
bulletCopy of last 3 months bank statements (all pages).
bulletMost current full month's worth of pay-stubs - all applicants.
bulletLast two years W-2's - all applicants.
bulletIf self employed - last two years federal tax returns, both personal and corporate; current P & L and balance sheet.
bulletIf bonus, overtime, or commission is 25% or more of total income - last 2 years federal tax returns.

 

equal.jpg (8185 bytes)Equal Housing Opportunity. © 1994-2005 Jeff Stover adn John Ward. All rights reserved. For questions about this site contact webmaster@richmondnewhomes.com. Last updated: 10/10/05.