• 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
Gina Myers
CrossCountry Mortgage
571.655.3324
Gina.Myers@MyCCMortgage.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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Friday shoutout to @openroadgrill Hands down, the Friday shoutout to @openroadgrill Hands down, the best crispy chicken cobb salad out there, plus any restaurant that brings you popcorn to start is #1 in my book. Awesome indoor space with TVs for sports watching or outdoor bar (with more TVs) if you want to enjoy the weather as it warms up! Also don't sleep on their onion rings and loaded grilled cheese. Awesome comfort food.

#viennava @viennavafoodies @mcenearney.mclean #dmveats #dmvfoodies
🌟Just Listed🌟 📍430 Malcolm Rd NW Vienna V 🌟Just Listed🌟
📍430 Malcolm Rd NW Vienna VA 22180
🚨5 bedrooms + Main Level Office, 4.5 Bathrooms, 2 Car Garage, .62 acre lot
🤩Great floorplan built by @evergreenehomes in 2020 features everything you need: screened in porch, expanded garage, office, huge pantry, mudroom, large primary bedroom suite with 2 walk in closets, big basement rec room, bonus flex space perfect for gym/theater/storage.
📙Louise Archer, Thoreau, Madison
$1,800,000
Open Saturday and Sunday!
Find more photos and floorplan at www.430MalcolmRd.com
Welcome back @nationals fans! Opening day is next Welcome back @nationals fans! Opening day is next Thursday! Today's @ffxnow and @tysonsreporter neighborhood expert column is full of deals, transportation tips, and food tips for attending a Nationals game! Plus a throwback pic to 2019. Link in bio. ⚾️
I've always been nervous about the tree in the mid I've always been nervous about the tree in the middle of my backyard when it's really windy. It would drop branches in the yard, on our deck, sometimes hit the roof but thankfully we never had any damage. But the winds this week made me extra nervous so I called out JL Tree Service for some peace of mind and we cut down the 22" tree in our yard. This brave man climbed all the way to cut it down. No crane. They showed up on time, when promised, priced matched, and cleaned up when they were done. Highly recommend if you need any tree work done! 

#viennava #townofvienna #viennavirginia #realtormom
March raffle time!! Enter by Friday to win $25 to March raffle time!! Enter by Friday to win $25 to @bearbranchtavernvienna!! www.SchwartzRaffle.com
Are you team patio or team screened in porch? Are you team patio or team screened in porch?
How many of us drive by these cemeteries located a How many of us drive by these cemeteries located around #viennava without a second thought to why they're there? I took a deep dive into the history around the cemeteries in town and for someone who is not really a history buff, found it fascinating. We have gravesites from Civil War leaders, freed slaves, the first doctor in Vienna, and a legendary Reverend. They're all on the historic registry and absolutely worth a read in todays #neighborhoodexpert post for @tysonsreporter and @ffxnow 

#viennavirginia #townofvienna #historicsites #civilwarhistory
Friday Funday....also spotlighting a local organiz Friday Funday....also spotlighting a local organization: the @viennabusinessassociation! If you're a local business based in #ViennaVA consider joining the VBA. They have fun mixers, happy hours, lunch and learns and you get to network with other small/large business owners in the area. Great way to get connected in our little town! 

#viennavirginia #townofvienna #viennavabusiness #smallbusiness #businessowners #entrepeneur
Just listed on one of my favorite streets in town, Just listed on one of my favorite streets in town, not just because of the cul de sac and direct access to the w&od trail, but because the neighbors are awesome 🤗
408 Talahi Rd SE Vienna VA 22180
#viennava #townofvienna #viennavarealtor #viennavirginia
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