{"id":11463,"date":"2018-04-24T00:17:52","date_gmt":"2018-04-24T07:17:52","guid":{"rendered":"http:\/\/charissefontaine.com\/?page_id=11463"},"modified":"2021-05-25T10:21:22","modified_gmt":"2021-05-25T14:21:22","slug":"mortgage-information","status":"publish","type":"page","link":"https:\/\/charissefontaine.com\/mortgage-information\/","title":{"rendered":"Mortgage Information"},"content":{"rendered":"\n\n\t<h3>\n\t\t\t\tMortgage Information\n\t\t\t<\/h3>\n\t<h2>\n\t\t\t\tFinancing Your Home Purchase\n\t\t\t<\/h2>\n\t\t<p>Before you invest into any real estate purchase, let&#8217;s figure out how much your mortgage payment will be. Calculating your mortgage payment will better prepare you for your real estate search and determine how much you&#8217;re comfortable with.<\/p>\t\n\t\n<div class=\"shmac-holder \">\n  <div class=\"mui-panel shmac-sc form-1\">\n\t<form class=\"shmac-form\" data-currencysymbol=\"$\" data-currencyside=\"left\" data-downpaytype=\"percent\"  >\n\t\t<legend>Mortgage Calculator<\/legend>\t\t\t<div class=\"shmac-check\">\n\t\t\t\t<input type=\"checkbox\" id=\"checkflip-1\" class=\"checkflip send-email\" \/>\n\t\t\t\t<label for=\"checkflip-1\">Send A PDF report to your email?<\/label>\n\t\t\t<\/div>\n\t\t\t<div class=\"mui-form-group shmac-email\" style=\"display:none;\">\n        \t\t<input type=\"text\" class=\"shmac-email-input mui-form-control\" \/>\n\t\t\t\t<label class=\"mui-form-floating-label\">Your Email<\/label>\n\t\t\t\t<div class=\"err-msg\"><\/div>\n\t\t\t<\/div>\t\t\t<div class=\"mui-form-group shmac-amount\">\n\t\t\t\t<a href=\"#\" class=\"shmac-tip\" title=\" \" data-title=\"The total purchase price of the home you wish to buy.\">\n                \t<span>\n                    \t<img decoding=\"async\" src=\"https:\/\/charissefontaine.com\/wp-content\/plugins\/shmac\/assets\/img\/info.png\" class=\"shmac-info\" \/>\n                \t<\/span>\n            \t<\/a>\n\t\t\t\t<div class=\"shmac-symbol \">$<\/div>\n          \t\t<input type=\"text\" class=\"mort-amount mui-form-control  amountinput_1\" value=\"300,000.00\"  data-a-dec=\".\" data-a-sep=\",\"     \/> \n\t\t\t\t<label class=\"mui-form-floating-label\">Sales Price<\/label>\n\t\t\t\t\n\t\t\t\t<div class=\"err-msg\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"mui-form-group shmac-interest\">\n\t\t\t\t <a href=\"#\" class=\"shmac-tip\" title=\" \" data-title=\"The expected percent interest rate you will get on your mortgage.\">\n                    <span>\n                        <img decoding=\"async\" src=\"https:\/\/charissefontaine.com\/wp-content\/plugins\/shmac\/assets\/img\/info.png\" class=\"shmac-info\" \/>\n                    <\/span>\n                <\/a>\n\t\t\t\t<input type=\"text\" class=\"interest mui-form-control interestinput_1\" value=\"4.5\" \n\t\t\t\t\tdata-v-min=\"0.000\" data-v-max=\"100.000\" data-a-pad=\"false\"   \/>\n\t\t\t\t<label class=\"mui-form-floating-label\">Interest Rate (%)<\/label>\n\t\t\t\t\n\t\t\t\t<div class=\"err-msg\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"mui-form-group shmac-down\">\n\t\t\t\t <a href=\"#\" class=\"shmac-tip\" title=\" \" data-title=\"The percent down payment you wish to put towards the home.\">\n                    <span>\n                        <img decoding=\"async\" src=\"https:\/\/charissefontaine.com\/wp-content\/plugins\/shmac\/assets\/img\/info.png\" class=\"shmac-info\" \/>\n                    <\/span>\n                <\/a>\n\t\t\t\t\n\t\t\t\t<input type=\"text\" class=\"downpay  mui-form-control  downpayinput_1\" value=\"20\"\n\t\t\t\t\tdata-v-min=\"0.000\" data-v-max=\"100.000\" data-a-pad=\"false\"  \/>\n\t\t\t\t<label class=\"mui-form-floating-label\">Down Payment (%)<\/label>\n\t\t\t\t\n\t\t\t\t<div class=\"err-msg\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"mui-form-group shmac-term\">\n\t\t\t\t\t\t\t\t<div class=\"shmac-term-years\">\n                <input type=\"checkbox\" id=\"term-years-1\" class=\"term-years term-group\" checked=\"checked\" \/>\n                <label for=\"term-years-1\">Years<\/label>\n            \t<\/div>\n\n                 <a href=\"#\" class=\"shmac-tip\" title=\" \" data-title=\"The length of time it will take to repay the loan amount (30 years is common).\">\n                    <span>\n                        <img decoding=\"async\" src=\"https:\/\/charissefontaine.com\/wp-content\/plugins\/shmac\/assets\/img\/info.png\" class=\"shmac-info\" \/>\n                    <\/span>\n                <\/a>\n                <input type=\"text\" class=\"term mui-form-control terminput_1\" value=\"30\"\n                     data-a-pad=\"false\"  \/>\n                <label class=\"mui-form-floating-label\">Term<\/label>\n                \n\t\t\t\t<div class=\"err-msg\"><\/div>\n            <\/div>\n\t\t\t<div class=\"progresso\"> &nbsp;<\/div>\n        \t<div class=\"buttonRow\">\n         \t\t<button class=\"mui-btn submit-shmac\" data-mui-color=\"#dd3333\">Calculate<\/button>\n        \t \t<button class=\"mui-btn shmac-reset_1\" type=\"reset\">Reset<\/button>\n\t\t\t<\/div>\n\t\t\t\t\n    <\/form>\n  <\/div>\n<\/div><!-- End shmac-holder -->\n\t<ul>\n\t\t<li>\t\t\t\t\n\t\tPrior 2 years of Federal tax returns. Include applicable W-2&#8217;s and 1099&#8217;s<\/li><li>\t\t\t\t\n\t\t For W-2 employees the most recent 30 days of paystubs<\/li><li>\t\t\t\t\n\t\t For the self employed recent profit and loss statements<\/li><li>\t\t\t\t\n\t\t Most recent 2 months of asset statements<\/li><li>\t\t\t\t\n\t\t Current mortgage or property statements<\/li><li>\t\t\t\t\n\t\t Any rental agreements for rental properties owned<\/li><li>\t\t\t\t\n\t\t Completed mortgage application<\/li>\t<\/ul>\n\t<h2>\n\t\t\t\tWhat to Expect During the Mortgage Process\n\t\t\t<\/h2>\n\t\t<p>You found a home! A rush of excitement and uneasiness at the same time. What&#8217;s the timeline and steps to make this a done deal? Charisse Fontaine will guide you through the negotiation process on price and basic timing for possession of the home. The  offers this 6-step simple guide to the mortgage lending process to make it easier for first-time homebuyers to stay ahead of the process like a pro.<\/p>\t\n\t\t<h4>Submit Loan Application<\/h4>\t\t\t\n\t\t\t\t<p>Submit required documentation such as pay stubs, tax documents, and credit statements. Your loan officer will provide you with a specific list of what is needed.<\/p>\n\t\t<h4>Process\/Underwriting<\/h4>\t\t\t\n\t\t\t\t<p>The underwriter makes sure the deal is rock solid and fits all guidelines. They might ask you for additional documentation. It happens often and doesn&#8217;t necessarily indicate a problem.<\/p>\n\t\t<h4>Home Inspection<\/h4>\t\t\t\n\t\t\t\t<p>The buyer orders the home inspection as soon as possible. Inspectors often uncover and recommend repairs at the seller&#8217;s expense that you may not have noticed.<\/p>\n\t\t<h4>Loan Approval<\/h4>\t\t\t\n\t\t\t\t<p>First, the loan underwriter signs off on the loan. Then, they order loan documents. Once approved, the lender sends the loan paperwork to a title company of your preference.<\/p>\n\t\t<h4>Home Appraisal<\/h4>\t\t\t\n\t\t\t\t<p>The mortgage lender orders a home appraisal to make sure the home you are buying is in line with your purchase offer. Appraisals must ususually come in close to the loan amount, not lower.<\/p>\n\t\t<h4>Closing<\/h4>\t\t\t\n\t\t\t\t<p>The title company has calculated the costs and credits for all parties. Bring in payment to close the deal and sign all loan and closing documents. The title is recorded and the keys are yours.<\/p>\n\t<h2>\n\t\t\t\tReady to Buy or Sell a Home?\n\t\t\t<\/h2>\n\t\t<p>As experts in the real estate field, the  will help guide you through the process. Our years of experience and knowledge of the area will make the home buying and selling experience easier.<\/p>\t\n\n","protected":false},"excerpt":{"rendered":"<p>Mortgage Information Financing Your Home Purchase Before you invest into any real estate purchase, let&#8217;s figure out how much your mortgage payment will be. Calculating your mortgage payment will better prepare you for your real estate search and determine how much you&#8217;re comfortable with. Prior 2 years of Federal tax returns. Include applicable W-2&#8217;s and&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"_links":{"self":[{"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/pages\/11463"}],"collection":[{"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/comments?post=11463"}],"version-history":[{"count":0,"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/pages\/11463\/revisions"}],"wp:attachment":[{"href":"https:\/\/charissefontaine.com\/wp-json\/wp\/v2\/media?parent=11463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}