• Home
  • Buying
    • The Process
    • Mortgages
    • Buyer Consult
    • Search
  • Selling
    • Selling with Laura
    • Marketing Plan
    • Staging and Photography
    • What’s Your Home Worth?
    • Sellers Consult
  • Meet Laura
  • Vendor Guide
  • Let’s Talk

Call 703.283.6120 to discuss your real estate needs

Laura@GuidingYourMove.com
Laura Schwartz, RealtorLaura Schwartz, Realtor
  • Home
  • Buying
    • The Process
    • Mortgages
    • Buyer Consult
    • Search
  • Selling
    • Selling with Laura
    • Marketing Plan
    • Staging and Photography
    • What’s Your Home Worth?
    • Sellers Consult
  • Meet Laura
  • Vendor Guide
  • Let’s Talk

Mortgages

It’s important to get your financing in order prior to looking at homes. You’ll have a better handle on the costs and expenses associated with buying a home, both upfront and over the life of your loan. In this market, we cannot submit an offer on a home until you have been pre-approved by a lender.

Here is the list of documents a lender will need to begin your pre-approval:

  • Most recent 2 years W-2s for each applicant.
  • Most recent 2 consecutive official pay stubs with year to date income, name of company, and your name on them for each applicant.
  • Most recent monthly statements for ALL checking, savings, retirement accounts. Please include all pages to each statement. Please make sure your name and account number is on them, as well as the bank logo. If using an investment account for funds for down payment, please include that statement as well.
  • Most recent 2 years of tax returns with ALL schedules. You should have pages 1 and 2 of 1040s, Schedule A and/or Schedule C or E.
  • A copy of your recent mortgage statement for any property you currently own (if appl).
  • A copy of applicant(s) driver’s license(s).

10 Commandments When Applying for a Mortgage

  1. Thou shalt not change jobs, become self-employed or quit your job.
  2. Thou shalt not buy a car, truck or van (or you may be living in it)!
  3. Thou shalt not use credit cards excessively or let your accounts fall behind.
  4. Thou shalt not spend money you have set aside for closing.
  5. Thou shalt not omit debts or liabilities from your loan application.
  6. Thou shalt not buy furniture on credit.
  7. Thou shalt not originate any inquiries into your credit.
  8. Thou shalt not make large deposits without first checking with your loan officer.
  9. Thou shalt not change bank accounts.
  10. Thou shalt not co-sign a loan for anyone.

Recommended Lenders

gina-myers
Gina Myers
Intercoastal Mortgage
703.930.2009
ginam@icmtg.com
www.ginamyersteam.com

Jon Okun
Prosperity Mortgage
443.610.8371
Jonathan.Okun@phmloans.com
jonathanokun.phmloans.com

  • Laura Schwartz
  • McEnearney Associates
  • 374 E Maple Ave, Suite 202, Vienna, VA 22180
  • 703.283.6120
  • laura@guidingyourmove.com

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In today's @tysonsreporter post, read some of the In today's @tysonsreporter post, read some of the things I wish I had known before buying a home tied to a specific Fairfax County school.
👩‍🏫 Foreign language? Bette research the schools.
🏀After school programs? Not always.
👀 Before and after school care? Better consider all of the options!
Link in bio.
Would you buy this house if the inside was your dr Would you buy this house if the inside was your dream home? 🤔
Thanks to a friendly tip and past client referral, Thanks to a friendly tip and past client referral, my very awesome buyers just closed on this beautiful home in McLean, VA before it ever went to market.
Happy Closing Day to my sellers at 3509 Wilson Ave Happy Closing Day to my sellers at 3509 Wilson Ave!
Listed: $675,000
Sold: $715,000
Days on Market: 3
🔥
Here's your #homeownertip of the day. Don't forget Here's your #homeownertip of the day. Don't forget to change the batteries in your smoke detector once a year, test them monthly, and change the entire thing once every 10 years. #themoreyouknow
Today's #smallbusiness spotlight is Organic Nails Today's #smallbusiness spotlight is Organic Nails and Spa Vienna! With 3 locations (Vienna, Fair Lakes and now Fairfax), they offer organic nail services (Mani/Pedi) for both women and men, along with a signature treatment for kids under 11. They also offer waxing and foot massage. #Covid19 protocols include taking your temperature upon entry, dividers between you and your nail tech, and dividers between the pedicure stations from other patrons.
Looking for something to do over #springbreak? How Looking for something to do over #springbreak? How about an ice cream tour of Virginia? Check out my latest @tysonsreporter #neighborhoodexpert post for a list. Link in bio.
This weekend was a little busy! Got both listings This weekend was a little busy! Got both listings on Fayette and Kenilworth under contract (both went over asking!), and got 2 buyers under contract as well in Arlington and Fairfax! Fingers crossed for another client  with an offer out....🤞

#springmarket #viennava #viennavarealestate #arlingtonva
Just Sold! 📍4009 Justine Drive, Annandale, VA 2 Just Sold!
📍4009 Justine Drive, Annandale, VA 22003
Listed for $750,000
Sold for $805,000
No contingencies. Free rentback. 🔥
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© 2021 • Laura Schwartz • McEnearney Associates iamge