• 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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Just Listed in Ballston! 📍230 N Thomas St #2 Ar Just Listed in Ballston!
📍230 N Thomas St #2 Arlington VA 22203
🛏 1 Bedroom
🛁1 Bathroom
🤗666 Sq Ft
🔥$235,000
Find more details and photos here: http://guidingyourmove.idxbroker.com/idx/details/listing/b004/VAAR174490/230-N-Thomas-Street-2-Arlington-VA-22203
📸 @teamtruplace
🔥Just Listed in Dunn Loring! 📍2726 Gallows R 🔥Just Listed in Dunn Loring!
📍2726 Gallows Rd Unit 113, Vienna, VA 22180
🛏1 bedroom
🛁1 bathroom
🚘1 parking space
🍾Totally turn key!
$325,000
Find more photos and details here: http://guidingyourmove.idxbroker.com/idx/details/listing/b004/VAFX1175824/2726-Gallows-Road-113-Vienna-VA-22180
Staged by @jlarnolddesigns 
📸 @teamtruplace
After reviewing the crazy real estate market of 20 After reviewing the crazy real estate market of 2020, I wanted to extend my deepest gratitude to you! With the support of past and current clients, friends, and family I was able to help so many people people move last year!

Total 41 Sales 🔥

Sellers
Average Days on Market: 7
Average Sold Price of Original List Price: 100.21%

Buyers 
7 First Time Buyers
5 Multiple Offer "Winners"
3 Off Market Deals

THANK YOU!!!
Starting the year off with a LOT of buyer needs... Starting the year off with a LOT of buyer needs...help me make a match, please!
Check out Today's #neighborhoodexpert post on @tys Check out Today's #neighborhoodexpert post on @tysonsreporter - great weekend or day trip destinations within 3 hours from Northern Virginia.

@libertymtn - about 90 mins away
@whitetailresort - about 1.5 - 2 hours away
@massresort - about 2 hours away
@bryce_resort - about 2 hours away
@wispresort - about 3 hours away
@timberlinemountain - about 3 hours away
@blackwaterfallsstatepark - about 3 hours away

Remember to check #covid_19 regulations for WV and PA before you enter the state, and reservations are suggested/required based on the activity/mountain.

Link in Bio for more details and what each resort offers!

#thingstodo #familytime #daytrip #getaways #northernva #viennava #mcleanva #arlingtonva #skiing #snowboarding
#smallbusiness Friday Spotlight: @blend111vienna #smallbusiness Friday Spotlight: @blend111vienna 
I would be remiss if I didn’t mention that I should have tried Blend sooner. But with no babysitter, no #datenights possible, a #momsnightout was just what the doctor ordered for an amazing night out. First: the outdoor patio is adorable with the string lights, individual heaters and proper spacing amongst tables. They have indoor seating as well. Now, the food. OMG the food. If you like cheese, you'll love the taquenos and the arepitas. Both so good. I got the garlic shrimp and my date got the vegan dish, Mushroom Farro. But the highlight of the whole evening was the tres leches dessert (and I'm not even a dessert person!). The food was so good, the service also very good, and we were never cold with our own personal heat lamp. Definitely try it when you get a chance! 

#localfood #localbusiness #viennava #foodie #realtorswholovefood @mcenearney.mclean @viennavafoodies
Just Listed! 📍2100 Lee Highway #117 Arlington V Just Listed!
📍2100 Lee Highway #117 Arlington VA 22201
🏡2 Bedrooms, 2 Bathrooms, Huge Patio
🚘 2 Parking Space (Tandem) + Storage
⭐️$465,000
😎Building Amenities: Pool, Gym, Tennis, Sauna, More!
DM me for more info!
📸 @teamtruplace 
🛋@jlarnolddesigns
On Tuesday, my first-time buyers closed on this en On Tuesday, my first-time buyers closed on this end unit townhouse in Fairfax. They lost the first house they wrote an offer on (because a) lets face it, you can't win them all and b) it wasn't meant to be). But then this one hit the market one idle Thursday morning and we were under contract about 7 hours later. The buyer cried. I cried. The seller cried. This one really was meant to be. Stories like this one really do make my job so, so worth it. 😍🥳🔑
Whether it's a plumber, a painter, an electrician, Whether it's a plumber, a painter, an electrician, or just want to call a junk hauling company? I've got you covered. You can download my Vendor Guide for *FREE* (without a login!) and have a team to people to call anytime you need something! Link in bio.
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© 2021 • Laura Schwartz • McEnearney Associates iamge