Choose Loan

    Enter these information to submit loan to Jevon Perra:

    • Complete loan application with assets/income/schedule of real estate 100% complete (A pdf of a complete 1003 or I can get you our application).

    • Borrower authorization.

    • Purchase agreement – RPA (if a purchase) – signed by all parties.
      1. Title/Escrow and real estate agent contacts. 2. The budget (if work to the property is required. We may order feasibility study to confirm accuracy).
    • A simple PFS from the borrower just giving general numbers for all income/assets and liabilities. See my sample to use.

    • Clear copy of driver's license(s) for ID from guarantor(s).

    • 2 months of most recent bank statements (if applicable: need to source funds to close, or reserves, or where cash out will go) – ALL pages, no black-outs.

    • Docs From Subject Property on Refi (If a purchase: HOI Insurance quote).
      • 1. Most Recent Copy of all mortgage statements (includes HELOCS). 2. Copy of Insurance Declarations Page of your homeowner’s coverage (shows yearly premium and coverage. Condo's need H06 Content Insurance). 3. Copy of most recent HOA Bill (if you have one). 4. If we are doing a 2nd, GET US THE NOTE on the loan we are subordinating behind. 5. Property Tax Bill (If handy, usually not required). 6. Copy of lease(s) if subject property is leased. 7. Trust Docs or Trust Cert if property is to be in a trust.

    If the loan is a primary residence consumer loan (not business purpose).

    • Usually we use 6 months of average deposits from bank statements as income (personal bank statement: we use 100% of deposits as income. Business bank statement: we'll use a percentage of it assuming the business has costs, usually 50% of the deposit as income).
    • Year to date paystub.
    • W2.
    • Tax returns.
    • Leases (even boarder income is OK).
    • Any other way you can document they have income coming in would be considered.

    JCAP arranges this. We've used Greenpath and they do a good job. For them you must call to set up the appointment. Ask for a "Section 32 High-Cost Mortgage Certificate". Call 877-385-1941 Mon - Thur. 8 to 10 eastern time, OR Fri 8 - 8pm, OR Sat 9 - 6pm eastern time. The cost is $150. It is completed by phone and takes about an hour. Takes about a day to schedule. https://greenpath.com/ All their times are Eastern.


      Enter these information to submit loan to Aaron Siefker:

      • Complete loan application with assets/income/schedule of real estate 100% complete (A pdf of a complete 1003 or I can get you our application).

      • Borrower authorization.

      • Purchase agreement – RPA (if a purchase) – signed by all parties.
        1. Title/Escrow and real estate agent contacts. 2. The budget (if work to the property is required. We may order feasibility study to confirm accuracy).
      • A simple PFS from the borrower just giving general numbers for all income/assets and liabilities. See my sample to use.

      • Clear copy of driver's license(s) for ID from guarantor(s).

      • 2 months of most recent bank statements (if applicable: need to source funds to close, or reserves, or where cash out will go) – ALL pages, no black-outs.

      • Docs From Subject Property on Refi (If a purchase: HOI Insurance quote).
        • 1. Most Recent Copy of all mortgage statements (includes HELOCS). 2. Copy of Insurance Declarations Page of your homeowner’s coverage (shows yearly premium and coverage. Condo's need H06 Content Insurance). 3. Copy of most recent HOA Bill (if you have one). 4. If we are doing a 2nd, GET US THE NOTE on the loan we are subordinating behind. 5. Property Tax Bill (If handy, usually not required). 6. Copy of lease(s) if subject property is leased. 7. Trust Docs or Trust Cert if property is to be in a trust.

      If the loan is a primary residence consumer loan (not business purpose).

      • Usually we use 6 months of average deposits from bank statements as income (personal bank statement: we use 100% of deposits as income. Business bank statement: we'll use a percentage of it assuming the business has costs, usually 50% of the deposit as income).
      • Year to date paystub.
      • W2.
      • Tax returns.
      • Leases (even boarder income is OK).
      • Any other way you can document they have income coming in would be considered.

      JCAP arranges this. We've used Greenpath and they do a good job. For them you must call to set up the appointment. Ask for a "Section 32 High-Cost Mortgage Certificate". Call 877-385-1941 Mon - Thur. 8 to 10 eastern time, OR Fri 8 - 8pm, OR Sat 9 - 6pm eastern time. The cost is $150. It is completed by phone and takes about an hour. Takes about a day to schedule. https://greenpath.com/ All their times are Eastern.


        Enter these information to submit loan to Jenni Robinson:

        • Complete loan application with assets/income/schedule of real estate 100% complete (A pdf of a complete 1003 or I can get you our application).

        • Borrower authorization.

        • Purchase agreement – RPA (if a purchase) – signed by all parties.
          1. Title/Escrow and real estate agent contacts. 2. The budget (if work to the property is required. We may order feasibility study to confirm accuracy).
        • A simple PFS from the borrower just giving general numbers for all income/assets and liabilities. See my sample to use.

        • Clear copy of driver's license(s) for ID from guarantor(s).

        • 2 months of most recent bank statements (if applicable: need to source funds to close, or reserves, or where cash out will go) – ALL pages, no black-outs.

        • Docs From Subject Property on Refi (If a purchase: HOI Insurance quote).
          • 1. Most Recent Copy of all mortgage statements (includes HELOCS). 2. Copy of Insurance Declarations Page of your homeowner’s coverage (shows yearly premium and coverage. Condo's need H06 Content Insurance). 3. Copy of most recent HOA Bill (if you have one). 4. If we are doing a 2nd, GET US THE NOTE on the loan we are subordinating behind. 5. Property Tax Bill (If handy, usually not required). 6. Copy of lease(s) if subject property is leased. 7. Trust Docs or Trust Cert if property is to be in a trust.

        If the loan is a primary residence consumer loan (not business purpose).

        • Usually we use 6 months of average deposits from bank statements as income (personal bank statement: we use 100% of deposits as income. Business bank statement: we'll use a percentage of it assuming the business has costs, usually 50% of the deposit as income).
        • Year to date paystub.
        • W2.
        • Tax returns.
        • Leases (even boarder income is OK).
        • Any other way you can document they have income coming in would be considered.

        JCAP arranges this. We've used Greenpath and they do a good job. For them you must call to set up the appointment. Ask for a "Section 32 High-Cost Mortgage Certificate". Call 877-385-1941 Mon - Thur. 8 to 10 eastern time, OR Fri 8 - 8pm, OR Sat 9 - 6pm eastern time. The cost is $150. It is completed by phone and takes about an hour. Takes about a day to schedule. https://greenpath.com/ All their times are Eastern.


          Enter these information to submit loan for Robert Newcomer:

          • Complete loan application with assets/income/schedule of real estate 100% complete (A pdf of a complete 1003 or I can get you our application).

          • Borrower authorization.

          • Purchase agreement – RPA (if a purchase) – signed by all parties.
            1. Title/Escrow and real estate agent contacts. 2. The budget (if work to the property is required. We may order feasibility study to confirm accuracy).
          • A simple PFS from the borrower just giving general numbers for all income/assets and liabilities. See my sample to use.

          • Clear copy of driver's license(s) for ID from guarantor(s).

          • 2 months of most recent bank statements (if applicable: need to source funds to close, or reserves, or where cash out will go) – ALL pages, no black-outs.

          • Docs From Subject Property on Refi (If a purchase: HOI Insurance quote).
            • 1. Most Recent Copy of all mortgage statements (includes HELOCS). 2. Copy of Insurance Declarations Page of your homeowner’s coverage (shows yearly premium and coverage. Condo's need H06 Content Insurance). 3. Copy of most recent HOA Bill (if you have one). 4. If we are doing a 2nd, GET US THE NOTE on the loan we are subordinating behind. 5. Property Tax Bill (If handy, usually not required). 6. Copy of lease(s) if subject property is leased. 7. Trust Docs or Trust Cert if property is to be in a trust.

          If the loan is a primary residence consumer loan (not business purpose).

          • Usually we use 6 months of average deposits from bank statements as income (personal bank statement: we use 100% of deposits as income. Business bank statement: we'll use a percentage of it assuming the business has costs, usually 50% of the deposit as income).
          • Year to date paystub.
          • W2.
          • Tax returns.
          • Leases (even boarder income is OK).
          • Any other way you can document they have income coming in would be considered.

          JCAP arranges this. We've used Greenpath and they do a good job. For them you must call to set up the appointment. Ask for a "Section 32 High-Cost Mortgage Certificate". Call 877-385-1941 Mon - Thur. 8 to 10 eastern time, OR Fri 8 - 8pm, OR Sat 9 - 6pm eastern time. The cost is $150. It is completed by phone and takes about an hour. Takes about a day to schedule. https://greenpath.com/ All their times are Eastern.