Are you ready to embark on the journey to homeownership?
Mortgages by Scott, powered by CTR Mortgage Brokers, is here to guide you through the home mortgage process. Our goal is to make sure you are well-prepared and qualified for a mortgage before you start house hunting, ensuring you don’t waste time, money, and effort.
There are many benefits to choosing a 30-year fixed mortgage for your North Carolina home purchase. Here are just a few:
Fill Out an Application Form
The first step in your home loan journey is filling out a mortgage application. This application serves as the foundation for your mortgage process, and our team treats pre-qualifications just like actual home loan applications.
Review and Recommendation
After you’ve submitted your application, our team will review it thoroughly to understand your financial situation. We will then suggest mortgage programs that best suit your needs.
Personalized Consultation
Expect a call from us to discuss your goals and aspirations for your mortgage. Every borrower’s situation is unique, and we tailor your mortgage to your specific needs.
Preparation and Qualification
Our aim is to get you qualified without putting any money on the line. We’ll provide you with a “homework” list of items to collect, based on your unique situation. Rest assured, our team will start working immediately so you can focus on your home search.
Home Loan Requirements
Feel confident that you have all the necessary home loan requirements in place when you work with us on your next mortgage application.
If you are preparing to apply for a mortgage, you may be wondering what home loan requirements you will need to fulfill before the process can move forward into underwriting. While we can’t always predict all the home loan requirements your bank will request, with nearly two decades of experience in both banking and mortgage applications, we can help you through the process from start to finish.
Tax Returns
You’ll typically need your most recent tax return, and possibly, the last few years’ returns.
Proof of Income
You’ll typically need your most recent tax return, and possibly, the last few years’ returns.
Other Assets
Details of your assets, such as real estate properties, stocks, bonds, savings, retirement accounts, and more.
Job History Information
Banks seek employment stability, so they’ll review your current job situation and job history. We can help even if you’re self-employed or have recently started a business.
