We’re nosy about money. We’re going to ask you all of those inappropriate party questions like how much money do you make, how many kids do you have, and where do you see yourself in five years. We want to know everything about you and your money – where you made it, where you keep it, and what you’re going to do with it. We’re even going to ask you how old you are.
Don’t get the wrong idea – we’re not nosy people. Here’s why we do what we do: a home purchase is generally the largest financial purchase and investment an individual, and family, ever makes. The stakes are high – literally in the hundreds of thousands of dollars, and this is an investment that you’re going to be living in every day for years to come. We spend more time than just about any other mortgage broker working on your whole financial picture: budgets, today, tomorrow, and five years from now, so the house that you buy today still makes the most sense financially at the end of the amortization charts.
A different center: YOU
We also take the time to keep you informed at every step of the mortgage process. Instead of having you give us an ocean of paperwork, then having you leave with your fingers crossed and hoping for a miracle, we call every single one of our clients every single week to give them an update on the process. There’s no guessing with us – you’re completely informed at all times. Even if we don’t have anything new to tell you from the week before, we will still call you just to say hi and check in on your house hunting process.
The truth is you can get a mortgage from a lot of places, but to get the right mortgage for you is really more of an art. To lay your entire financial past and future out on a table in front of a stranger and discuss the next thirty years of your life is no small thing, and to be on the other side of the table from you is a responsibility we take seriously. That’s why we work with you on your entire financial picture, not just sell you a mortgage.
What we need from you:
·2 year Residency Information
·2 year Employment History
·2 Years W-2’s/1099’s
·2 Years Federal Tax Returns- All Pages
·Recent 30 days paystubs
·Recent 3 months Bank Statements
·Investment/Retirment Statements- All Pages
·Divorced: Decree & Child Support History- All Pages
·Refinance: Mortgage Statement
·Copy of Driver’s License
·Name & Ph No. of Homeowners Ins Agent
The NMLS Consumer website is a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is licensed in their state. CONFIDENTIALITY NOTICE: The information contained in this e-mail message and any attachments is for the sole use of the intended recipients and may contain confidential and privileged information. If you are not the intended recipient, you are hereby notified that any disclosure, copying or distribution or other use of this information is strictly prohibited. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient and have received this communication in error, please contact the sender by reply e-mail and destroy all copies of the original message. Thank you. Metropolitan Financial Mortgage Company. NMLS 3068
When it comes to buying a home, it's nice to know that someone is watching out for you. Whether you need advice on the size of a loan, are investigating the best way to finance a project, or are seeking the lowest interest rates, I am there for you every step of the way.
At First Option Mortgage we've earned a reputation for putting our clients first. That's why no matter how large or small of a loan you're looking for, I will be there to guide you and help you with all the details.
Please take a look at my reviews in these different resources:
TEAM LEADER & Sales Manager for TC Specialists is LISA HANDLEY - 612-390-6520. Lisa is a native of McIntosh, Minnesota, moved "south" with her family, to where it is "warmer" and, as an empty-nester, pursued her long-time goal of becoming a top real estate agent. She has been married to husband Chris for 23 years and has a son, Tyler, who is also an Realtor for the Twin Cities Specialists Team (612-516-7760) and a daughter, Erica, who is attending the University of Minnesota and plays for the Gophers volleyball team. Lisa is goal and service oriented and works hard to achieve what she sets her sites on. Lisa has proven her commitment to success through her years of working in Higher Education where she became a Head College Volleyball Coach and Sports Information Director, all by the age of 29. She then earned her Master’s Degree, became an Instructor, Athletic Director and finally Dean of Student Services. Lisa's cherish's her positions on her journey to founding Handley Enterprises, Inc., and the Twin Cities Specialists team. Her coaching, team building, marketing and business experience was the perfect combination leading up to her successful real estate career.
Throughout her journey there was one constant: Lisa is a person who cares about people and will do what it takes to see others achieve their goals. Ultimately, this is what prompted her to start her own team. The Twin Cities Specialists consists of service-oriented agents and other industry professionals that will do and be the best for our clients through the entire buying and selling process. TC Specialists will be there for our clients from the very early stages of planning, home market analysis's, pre-approvals, showings, listing, staging, photography, showings, negotiations, and all the way through the closings. Our mission is to treat our clients the way we would want our own families to be treated, with kindness, respect and service that goes above and beyond.
The Cost of NOT Owning Your Home Owning a home has great financ
"My wife and I recently sold our home on Portland Ave with the amazing services of real estate agent Lisa Handley. We met under unusual circumstances, but we are so glad we did. We had met with two other agents in the past, but we were left less than impressed. Working with Lisa has been the best decision we have made. We have been beyond impressed by the work done for us, and the level of attention we have received. You get the feeling that you are the only ones they are working with. Lisa has gone WELL above and beyond what I would expect from a real estate agent. Lisa was very prepared and knowledgeable of homes in our area, worked very hard for us and was able to sell our house for more than we had expected. Lisa does all the "little" things that make a huge difference when buying or selling your house.
I would recommend her a million times over!"