As easy as going to the following link and filling up the applications, and uploading the documents requested, another way is giving us a call, and we will request some documents to start an application for preapproval.

Here’s a list of items we will need to process your application:

• 2 Months’ most recent Bank Statements (all pages)
• One month’s most recent pay stubs (all borrowers)
• W-2s and Fed Tax Returns (Most recent last two years)
• Most Recent Asset Statements-All Pages (401k, Stocks, Bonds, etc.)
• IDS (all borrowers)
• Social Security Card (all borrowers)
• Copy of current mortgage statement (If Refinancing)
• Copy of current tax bill (If Refinancing)
• Copy of homeowners insurance bill (face page)(If Refinancing)

We look forward to providing you with prompt and professional service. If you have any questions, please call us at (617) 233-3097. We’re here to help!

A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms.
Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.

Your application may have a minor effect on your credit score, lowering it by just a few points. Checking your credit is a necessary step for getting a mortgage. It allows us to show you real mortgage options and
interest rates – and get you approved.
You have a 45-day window in which multiple credit checks from mortgage lenders are recorded only once on your credit report. This is so you can shop around for a mortgage without your credit taking a big hit.

You can get approved with a credit score as low as 580 if you meet our other eligibility criteria.
Remember that the score we use might differ slightly from the one you get from your credit card company or another source. We use a FICO® Score, but educational sources might use a different credit scoring model. We still encourage you to apply even if you think your score is slightly below 580.