Danny's Client Packet

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

CLICK HERE FOR MORE!

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