With my expertise, we'll win more bids and close more deals, turning possibilities into properties together!
Kristy Gannon is a highly experienced and reliable loan officer with an extensive background in the mortgage industry spanning over two decades. She is widely recognized for her exceptional track record of consistently achieving remarkable outcomes for her clients, even with challenging situations. Her exceptional problem-solving skills and unwavering commitment to excellence has been recognized in local and national markets. Using a “no family left behind” moto, Kristy’s goal is to be a resource to making homeownership happen.
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With our tried and tested loan process, your clients can get pre-approved for their mortgage in just 5 easy steps:
After a consultation, each borrower will fill out an application and the first step is to take a look at their credit history. This will be the start of our home buying journey together.
Once the application has been submitted, our team will be sending a list of items needed to finish pre-approval. Some of the basic items that will be needed:
1. Drivers license/Identification
2. 2 years of W2 forms
3. 2 months of bank statements
4. 2 years of tax returns
5. 1 months of paystubs
Once we receive all their documents, we review and see which loan programs would best fit. This process can take 24-48 hours to complete.
Once we are done with our analysis, we can typically come up with 2-4 options to move forward with the home purchase. We review the options with the borrower so they understand all the important facets of buying your home i.e monthly payment, cash to close, and what the mortgage means to them so they feel more confident with your their purchase.
Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply.
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Unlock the perks of teaming up with a top-tier mortgage pro. Let's build a roadmap to skyrocket your sales and listings. Schedule a consultation today!
Unlock the perks of teaming up with a top-tier mortgage pro. Let's build a roadmap to skyrocket your sales and listings. Schedule a consultation today!
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Partnering with Ownity can elevate your real estate business in several ways. We offer solutions that address four key challenges:
1. Winning more bids in multiple-offer situations.
2. Submitting more non-contingent offers.
3. Increasing the number of offers, even during rising interest rates.
4. Selling more homes in a rising interest rate market.
Advisors can streamline documentation collection, provide pre-approval services, and offer insights to mitigate potential hurdles, contributing to a more efficient closing timeline.
Access to up-to-date market information allows for strategic pricing decisions, enhancing the negotiation process and potentially securing better terms for both the buyer and seller.
When questions of Real Estate and Mortgages arise, our dedicated consultation process provides transparent insight into how our combined expertise protects and benefits them, reassuring clients of the comprehensive support they receive.
Advisors stay informed about industry updates, ensuring that Realtors have the latest information on financing programs, interest rate trends, and regulatory changes, giving them a competitive edge in the market.
*This is not a commitment to lend. The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Otherwise, the loan must be repaid when the last borrower passes away or sells the home. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision. This material has not been reviewed, approved or issued by HUD, FHA or any government agency. <COMPANY NAME> is not affiliated with or acting on behalf of or at the direction of HUD, FHA or any other government agency. To find a Reverse Mortgage counselor near you, search the HECM Counselor Roster at https://entp.hud.gov/idapp/html/hecm_ agency_look.cfm or call (800) 569-4287
Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan or use other assets to repay the loan in order to retain the property. You should know that a reverse mortgage is a negative amortization loan which means that your mortgage balance will increase while your home equity decreases if you do not make principle and interest payments on your loan. This may make it more difficult to refinance the loan or to obtain cash upon the sale of the home. However, you will never owe more than the home is worth when the loan is repaid.
Getting approved for a VA loan begins with taking a look at your unique situation.
Getting approved for a VA loan begins with taking a look at your unique situation.