Experience the difference a Mortgage Broker can make
Buying a home is stressful enough without having to worry about navigating the high waters of appraisals, underwriters, rate shopping and getting all the documents in order. Wes Bailey Texas Loan Doctor strives to make the mortgage process as easy as possible and works hard behind the scene to make sure there aren't any nasty surprises waiting for you when Closing time comes.
Best Rates Guaranteed (it's the law!)
Did you know that it is against the law for a fiduciary to act against the best interest of a borrower? As a mortgage broker, Wes is working to get you the best rate and the best terms for your mortgage. To do this, he negotiates with dozens of possible lenders to find a mortgage that suits your needs and saves you money. And the best thing is Wes does this all for free! Wes is paid by the lenders, not by you. So it is free to use Texas Loan Doctor, and you'll save a ton of money!
But what about loan origination fees?
You might have heard people say that mortgage brokers only offer loans with big origination fees. But, a mortgage broker like Wes has the fiduciary responsibility to provide you with the best rates on the market, regardless of the origination fee. That means you'll get the best interest rate on your home loan and you won't have to pay Wes a dime out of pocket!
Wes Makes It Easy
When you're buying a house, there's a lot to consider: packing, movers, setting up utilities, and more. What you don't want to worry about is getting all the proper documentation filed and following up with possible lenders. Wes makes the process easier on you by handling most of the paperwork. While you'll still need to finish the actual loan agreement yourself, Wes is on hand to answer any question you have and help you through the process. Wes is available throughout the day, so when something comes up, you'll be able to get the Texas Loan Doctor on the phone right away!
Home LoAN Requirements
Have These Documents Ready
- Current and Previous Year's Tax Returns (all pages and signed)
- Current and Previous Year's W-2s and 1099s
- Most Recent 30 Days of Pay Stubs
- Latest 60 Days Checking and Savings statements
- Latest Asset Account Statements (IRA, Stocks, 401k, etc)
- Homeowner's Insurance Company and Agent contact information
- Contact Information for Current Landlord (if applicable)
- Copy of Drivers License
- Copy of either Social Security Card or Passport.
- Completed Employment Form (click here to download)
What to Expect
- Apply for a traditional home loan may seem daunting, but Wes Bailey, Texas Loan Doctor makes the process easy.
- After filling out a simple information form, we'll send you a detailed list of what we need from you to get started.
- We'll work with you to ensure that all the documents are up to date and accurate. (Or, work toward a solution if you don't have any of the needed documents.)
- We'll pull your credit and then shop for the best possible rate.
- When you've agreed to buy a home, we'll walk you through the process and then work our financial magic behind the scenes so you can focus on other tasks like the home inspection!