Programs

Purchase and Refinance

Whether purchasing a home or refinancing your existing mortgage loan, we have the products for you! As a mortgage broker, All In Mortgage leverages our relationships with wholesale lenders to find the products and rates that meet your goals and objectives. Our A.I.M process ensures that we deliver the best service and communication throughout the loan process.
All In Mortgage offers the following types of loan programs:

  • Fixed-Rate Mortgage
  • FHA, VA, and USDA Loans
  • Adjustable-Rate Mortgage (ARM)
  • Conforming Loans
  • Jumbo Loans

PURCHASE

Ready to purchase your first home, next home, or perhaps a vacation home or investment property? We are here to make the home loan process easy.  We will guide you through the entire process step by step and help you choose the best loan product for your goals and objectives. 

We offer Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans for every type of purchase. 

Here Is How Our Purchase Process Works

  • Either call us directly to talk to us about your needs or if you are ready, awesome! You can Apply here (please note we would like the apply button to be here)
  • Once we receive your information, we will provide you with options based on your criteria and scenario
  • Choose the option that best fits your goals and objectives

REFINANCE

Refinancing your existing mortgage loan could save you a significant amount of money over the life of your loan and potentially help to improve your financials. We offer Conventional, FHA, VA, USDA, Jumbo, and Non-QM loans for every type of refinancing.

Here Is How Our Refinance Process Works

  • Either call us directly to talk to us about your needs or if you are ready to roll, that is awesome! You can Apply here (please note we would like the apply button to be here)
  • Once we receive your information, we will provide you with the options based on your criteria and scenario
  • Choose the option that best fits your goals and objectives

DOCUMENTS WE TYPICALLY NEED FOR A PURCHASE OR REFINANCE

We understand your time is valuable, and we are all busy working very hard these days. Our upfront A.I.M intake process of gathering your documents ensures us that we will deliver you legendary service and communication with speed, accuracy, and quality.

Our experience tells us that it is better to obtain all of your information upfront, so we have the entire picture in front of us and can provide you with the best loan products and service you deserve.

Here is a list of documents we typically need. Please note that the best way to deliver the required documents is in PDF format. While we understand that taking pictures of your pay stubs or bank statements on the counter is quick and easy, that process does not always deliver the best quality of documents for the underwriter. Please make sure that all documents are clear, and the information is not cut off:

  • 1 Picture Identification – Typically, a driver’s license will suffice
  • 2 Pay Stubs – Your last two pay stubs if you are paid bi-weekly or twice a month. If you are paid weekly, please provide your last four weeks of pay stubs
  • 3 W2s – Your last two years of W2s
  • 4 Bank Statements – Your last two months of bank statements of all pages (including blank pages) of all accounts
  • 5 Retirement/Stock Account Statement – Your last quarterly statement of your 401K, IRA, or Stock account
  • 6 Tax Returns – Your last two years of federal tax returns
  • 7 Earnest Money Down – When you sign an Agreement of Sale, you will most likely be putting money down on the contract. We will need a copy of the check showing cashed, as well as the bank statement showing the funds have cleared your account
  • 8 Home Owner’s Insurance Agent – When you purchase a home, you will need homeowner’s insurance. Once you have decided on what company, please provide the name, phone number, email address, and contact person so we may obtain the information needed
  • 9 Mortgage Statements – If you currently own other homes, we will need your current mortgage statement (s). Especially for refinancing, we need this information to qualify you. If the mortgage statements do not show escrowing of taxes and insurance, then we will need a copy of those bills
  • 10 Rental/Lease Agreements – If you currently own properties, we will most likely need your rental/lease agreements to qualify you. Please ensure these rental/lease agreements are up to date and signed/dated

Self Employed Borrowers – What If I Am Self Employed?

With the myth of being self-employed and it being tough to get a mortgage loan is out there, it is not impossible.  Our A.I.M method again comes to the rescue to help you with what documents you will need:

In addition to most of the documents listed above, we will need the following:

  • 1 Tax Returns – Two years of personal tax returns
  • 2 Business Tax Returns – Two years of business tax returns, including all schedules and K1s
  • 3 Business License – Copy of your business license
  • 4 Year To Date Profit And Loss Statement – We will need a copy of this statement
  • 5 CPA Letter – We will typically need a CPA letter indicating and certifying you are in business and in good standing
  • 6 Business Bank Statements – Especially for purchasing a home, we may need copies up to and including your last 12 to 24 months of statements

As always, you can contact us 24 x 7 x 365, and we will be happy to talk to you!!