THANKS FOR CHOOSING the DELGADO DIFFERENCE Let's get started!
www.DELGADODIFFERENCE.COM
IT'S SO NICE TO MEET YOU LET'S TALK ABOUT GETTING YOU HOME
I got into this business when I was
Here, first time homebuyers come
21 years old, I loved being someone
back to us with their growing
that people could always count on.
families, investors trust we will
Someone that could be a resource
consult them as if it were our own
and never make anyone feel like
money and realtors know that if a
any question is too trivial. Almost 30
client needs a deal to be saved, we
years later (wow- that never get's
got this. We are the ones you can
easier to say!) we still have the
ALWAYS call knowing you’ll get The
same mission to educate our
Delgado Difference.
clients, build lasting relationships and be your go to for all your home
We look forward to working with
financing needs.
you!
Danny Delgado
SVP of Mortgage Lending
WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847 IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847
WE GOT THIS The next few pages are going to get you familiar with our process and everything that makes The Delgado Difference an experience you will want to tell your friends about. BUT FIRST, WE HAVE SOME IMPORTANT NOTES TO SHARE SO, BEFORE YOU MOVE ON PLEASE BE SURE TO READ!
WHAT TO EXPECT FROM US My team is going to send you a checklist of documentation you need to provide for the loan.
YOU HAVE A KEY ROLE IN THE PROCESS All we ask is that you get these items back to us as soon within 24-48 hours so we can keep the loan moving
!
CLEAR TO CLOSE We want to get you that clear to close just as much as you do! As long as we all play our part we will get it done the best way possible.
WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847 IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847
MEET the TEAM GET TO KNOW WHO YOU'LL BE WORKING WITH AND WHEN
DANNY DELGADO SVP of Mortgage Lending
JOHN WATSON
KYLE GANNON
Associate Vice President
Associate Vice President
Danny, John, and Kyle are known as the VP's on the team. They are here to take your loan application, issue your pre-approval, review your loan estimate with you, lock in your rate, and send your loan to processing.
KRISTY WYATT
MICHELLE ZDENOVEC
Mortgage Consultant
Loan Coordinator
CHRISTINA HARRIS Production Manager
Once in Processing's lane, Kristy
Once we get the conditional
Christina monitors the flow of
reviews your loan application
approval, Michelle will work
all of our loans. Remember it is
and
you
with you to clear up any of
very important to get your
request
those conditions, send back
documents to us in a timely
to underwriting and hold
manner.
your hand until closing!
everyone meets deadlines &
the
provided. additional
documentation She
may
documentation
if
necessary and submit to initial underwriting!
She
makes
sure
will remind you if something is holding us up. It's a team effort!
STEPS TO A PERFECT LOAN
01
Mortgage Application Use our Digital Mortgage to obtain, print your pre-approval letter and pick a loan program. You can upload necessary documentation required for a speedy loan approval: 30 days of paystubs 2 months of bank statements 2 years of W-2 forms You'll likely need to provide more documents, but this is a great start!
02 03 04
Home Shopping With pre-approval and real estate agent in tow, you begin shopping for your home. Keep in mind, for qualifying purposes we estimate taxes, assessments and insurance. When you find a home you're interested in, give us a call so we can run numbers!
Executing the contract Once you and the seller agree on a purchase price, you'll execute a purchase contract. The contract should be sent to our team to start the approval process. Submitting the following in a timely manner will ensure a smoother process: Executed contract Earnest money Updated income and asset documents Other relevant documents our team requests Our team will order your appraisal, property title, tax transcripts and many other verification reports.
WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847 IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847
STEPS TO A PERFECT LOAN
04
Conditional Approval Once fully processed, the loan is submitted for underwriting. Within 24-48 hours, we will receive the initial approval. The initial approval can be subject to items an underwriter needs to clear your loan to close. Soon thereafter, you'll hear these magic three words "Clear to Close!"
05
Closing At least 3 days before your confirmed closing date, you'll receive, review, sign and return your Initial Closing Disclosure (CD). Once cleared for closing, our team will: Confirm your closing date and time Prepare your closing package Confirm all fees Send file to title company to prepare for closing day Close your loan. Receive your keys.
Celebrate! The BEST way you know how!
04 WWW.DELGADODIFFERENCE.COM NMLS ID #2611 (Nationwide Mortgage Licensing System www.nmlsconsumeraccess.org) IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847 IL - Residential Mortgage Licensee - IDFPR, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois, 60603, 312-793-3000, 3940 N. Ravenswood Ave., Chicago, IL 60613 #MB.0005932 MI - Lic #FR0018846 & SR0018847
TESTIMONIALS WHAT OUR CLIENTS SAY ABOUT US
Danny and his team were fantastic. As a
They were responsive, quick, and able to
first-time homebuyer, I had no idea what
answer any question that came up
to expect and they made the process
throughout the entire process. If you
completely seamless! They were always
need a mortgage loan, Danny and the
there to answer any questions I had. I had
team will get you there!
a very quick close and they met the
K. BECVAR
deadline with no issues!
CLOSED FEB. 2022
C. KLINGER CLOSED JAN. 2022
Danny & his team really helped us out
Danny Delgado and his team did an
during our first-time home purchase. We
amazing
originally had a loan through a big bank &
Everything
last minute they told us they could only
direction was spot on. His team was
give us the loan if we had 20% down. We
always available to answer questions and
didn’t have it & Danny came to the rescue
they met all of my expectations! I highly
same day & on top of helping us, gave us a
recommend using his services!
better rate. Highly recommend getting your mortgage loan with Danny!
I. ZEMSKOV CLOSED JUNE 2020
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job
from
from
start
to
finish!
communication
to
M. SHALLOW CLOSED MAY 2021
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@DannyDelgadoMortgage
www.DelgadoDifference.com
@MortgagebyDannyDelgado
Danny@rate.com
Danny Delgado
(630) 973-6191
GLAD WE COULD STAY CONNECTED!
WWW.DELGADODIFFERENCE.COM