CHECKLIST. See What information is necessary? 

                                   Loan Application Checklist

                                                                            Informacion en espanol. Presione aqui

  •   A copy of your sales contract, signed by both you and the seller;
  •   W-2 forms and tax returns for the last two years.
      One or two recent pay stubs;
  •   One or two months worth of statements from any of your savings, checking, or brokerage accounts;
  •   If you are self-employed, supply an up-to-date financial statement;
  •   If self-employed, at least 1 year most recent tax returns, including all schedules and a year to date profit and loss statement;
  •   If you are divorced, include a copy of your divorce decree and custody agreement.

If Refinancing, You will also need:

  •   A copy of your warranty deed and/or deed of trust or mortgage document.
  •   A copy of your homeowners insurance policy.
  •   A copy of your current mortgage holder's payment coupon.
  •   A list of debts that you wish to pay off, including name and account number of  creditor, if you are consolidating some debt.
  •   A list of and estimates for any home improvements you wish to finance with this transaction, if any.

When you have organized the documents listed above, assuming you have filled out the online application (*) , fax your paystubs and w2's to (305) 672 0016 the rest of the documents can be sent back with the loan package.

I will order your credit report and Your approval letter can be available within a day via email or fax.

(*) If you haven't filled up the application yet, do it now. Click here     
     If you have any questions or comments please e-mail us now 
   
You can also call us at (305) 962 4532. We offer hundreds of programs for all different levels or income, credit and financial situtions. We'll find the one that works for you once we know exactly what you need.
     
Loans to Foreign Nationals have different requirements. See what those are here


Disclosures

I (Omar H. Scandura) am an independent contractor with South Atlantic Mortgage Corporation (SAMC) and may receive compensation for services rendered. All specific disclosures necessary for you to know where I may be receiving compensation for services I will perform will be made at the appropriate time. I may only receive compensation for "Services actually performed by me" NOT for referring you to specific financing programs without performing any duties.
Feel free to consult other sources and compare my offers to appreciate the benefits I have to offer.