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Tulsa Mortgage :  Podcast 4 – Part 1

Tulsa Mortgage Episode four of the Steven Tyler show is.com is is is is Steve Carlton.com here Tyler what is up today was that my friend man I love our intro we just got created and it’s pretty awesome you are incredible actually alone a pretty excited about that were talk about Tulsa mortgage and were talk about mortgages in general in Tulsa and are looking for that matter but you know haven’t listened into the Steven Tyler show on the intros pretty cool you know Stephen and I got a little card from one of our realtors is what you want on my one Facebook JB and she said she just love St. Steven Tyler without a card yet they should be Stephen
Tulsa Mortgage so today were to talk about the little play on the little bit because of our get qualified to talk about how you get qualified for a home loan and what that looks like for for people so Tyler I think mainly we want to hit like three points the first one being when you make an application for the lender I was at me when you when you apply and what it means when you credit qualified as loud call it an than what else how do you know how much house you qualify for qualify for code qualify call the front get qualified.com so okay cool so were to start talking about that first of all time was it look like when you’re what I say making application or filling out an efficient with a with a lender talking about that really just making the initial contact be that online phone call and person however your preferred preferences preferred preference like that however you prefer is money they okay sorry I we discover sounds to end the place with a lot of your can hear but I am like a child with a sound board so just get used to so it’s would you say that your initial contact with the wonder how we preferred to with the best way to do that quit is this what the really is no best way your best ways our best way to

Tulsa Mortgage handle we are saying quite clear to all of what you what it’s however you prefer it however you… What you take most of your application stop majority mine eyes everything on over the phone got and I was a lot online and some people prefer to get some people come in and this week that want to do it in person so that so really I think what I wanted a hit on starting that application and what that means is that getting all that initial information that we need like your name and your data birth in your social where 11 we were 20 make that come basic stuff that we need to get in order to just be able to start with something to see which okwallfoam four and part me what you call 54 make sure you correct me if I do that against her so what that looks like is is Tyler said over the phone noted online or doing it in person and really it’s up to your preference yes Kevin Dean the Aerosmith song kind of is our

Tulsa Mortgage intro of your people commenting here on Facebook discount of phonics so sorry why when you’re when you do that that relationship reference entities different so you want make sure that your with the lender that that you’re comfortable with and whether you do it online in person or over the phone working to get some pretty private information from you so just understand that our website is safe and secure dislike every lender is required to and the biggest thing that I think is most important power area lower lobe on this is the information that you provide to the lender needs to be what

Tulsa Mortgage accurate and accurate exactly. So talk to me about somebody that the maybe didn’t get as accurate information with that in the what happened in owning there several times and it happened but when people are saying hourly employee so they get paid by the hour they make 12 bucks an hour by then all of a sudden they tell you initially only I make $80,000 a year while at 12 bucks an hour you must work on overtime basically every minute of the day to negating Rainier vicious not happen so why not just tell me make phone order how did you make it oh well you know my parents any money or at a side job or something comes up or down about a month yards okay that’s great the you did the things to make your 80 grand year but can be set off of digital Darnall so you seem to be accurate income is certainly find out up front were to find you can highly think for me you cannot everything from secret.com or Tyler were not on the student are so economic taste of the house are tentatively that your brother in America we can find out there so many ways that we can verify stuff from you know your tax returns to your BTUs to are the employment of case we get all that so just sure when you make an application with a lender that you are being accurate and your giving all the information because… It can be painful for you and someone’s

Tulsa Mortgage asking online how would you commission correctly commissioned for to be accurate we have to take an average self your commission you typically have to have a 24 month history of doing it although we can do it in was someone’s receipted for 12 months but it just for the loan program that you do in that we average it so ridiculous 12 months are blessed with four months an average it really is something overtime and so she started a job or your overtime and you started getting overtime last month I like that I really account also your employer has to say it’s likely to continue a K So anyway so what else we talk about what’s credit qualify me so one of the things we do is, to be determined underwrite living Tyler it means that you get completely underwritten without a property month so your, text, that and that means completely underwritten that you so that you know what you qualify for exactly without property so now you have the prospect that it is the price range loan program argot of your income documents right economic you available process before you have to go through the whole process and then when I do get a contract from you than what happens and we do it again what is peace and we get up we get a appraisal the property we get title work on the property we get a database of the premium but have no fear you

Tulsa Mortgage party been completely approved minus property and title and economics the property sells qualify but that’s about it so that’s pretty good right so when when we say credit qualifying what we mean is we look at your credit and most likely looked at your income and based on a interleague Tulsa jumped on their end and basically we and underwriters received your income they received your credit and we’ve given approval based on that income and credit so right word was her third topic our third point know how much house you: qualify for how do you know how much house you qualify for him him beautiful I that I let them into a to the little a little over awkward fifth that’s exactly why you would go through that that

Tulsa Mortgage to be determined that credit qualifying right yet so you would know but the way you know is by providing accurate information to your lender of front end quickly as of soothingly to talk about earlier Tyler whatsit butcher biggest pet peeve with clients will argue that you today and today turns and tomorrow martyrs and Friday Friday turns in the next Friday so when I just get Tamina yet just if you want to buy a house you have to get me all the documents is it does the quicker the better than a sweet smile make me happy to you so get accurate information and then you will know because if a lender if you tell a lender that you make $80,000 year as Tyler was eluding to earlier and then you tell that lender that it is salary or whatever and then you asked for preapproval and they give you a preapproval or to give you a prequalification then here’s what happens