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www.pacresmortgage.com

At Pacific Residential Mortgage, we are committed to helping you through the mortgage financing process. Whether you’re refinancing an existing home or purchasing a new one, get pre-approved by one of our trusted mortgage advisors. Here are a few important things to know:

Save and Provide: · Most current pay stubs, last 3 years federal tax returns (all pages, all schedules), W-2’s/1099’s and other income documentation · If applicable, a complete and final copy of divorce decree · Identify current debt including: creditor’s name, monthly payment and balance

In order to simplify your experience, we highly encourage you to start now.

· Information on any (current/pending) derogatory credit, judgments or liens · Most recent asset statements including: bank, brokerage, mutual funds, and retirement accounts · 60 days’ seasoned liquid assets for funds to close · Gift fund documentation including: proof of donor’s ability to gift, gift letter, copy of gift check and proof of gift deposit

Before or During the Loan Process: · Quit or change jobs

MLO-223367

Vaughn Monagon

· Increase current credit balances

Sr. Mortgage Banker

· Open, close or apply for any new credit accounts · Dispute any items on your credit report

Hillsboro Branch 855 Northeast 25th Avenue Hillsboro, OR 97124-5975

· Forget to make your payments on time · Transfer or deposit large sums of money · Make any cosmetic or structural changes to the property

McMinnville Branch 117 NE 5th Street, Suite D McMinnville, OR 97128

· Make an offer on a home without being pre-approved by PRM

Cell: 971-237-8033

vaughn.monagon@pacresmortgage.com

w w w.mon a gon .com

Putting our client’s interest first is top priority. As your advocate and trusted advisor, you can expect: · A superior level of knowledge and experience

ACCREDITED BUSINESS

Credit on approval. Terms subject to change without notice. Not a commitment to lend. Call for details. NMLS-1477 / WA CL-1477.

· Exceptional customer service · Your home financing goals to be achieved

11_0167_VMonagon Dos Donts_FINAL 100311


Dos and Donts  

At Pacific Residential Mortgage, we are committed to helping you through the mortgage financing process. Whether you’re refinancing an exist...

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