Loan Resource Center

“We Make Mortgage Lending Easy”

Useful Forms:

The forms listed below may be used throughout the mortgage application process. Please contact us at 904-381-LOAN (5626) or Toll free: 1-888-398-6220 if you have any questions about the individual forms

Adobe Acrobat Reader is required in order to view these documents.  If you do not have Acrobat Reader, click here to download it.

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Mortgage Checklist:

The following information is usually required during the loan process:

  • Your Social Security number
  • Current pay stubs for the last 30 days, W2’s for the last two years
  • If self employed, your complete personal and corporate tax returns for the past two years
  • Bank statements for the past three months
  • Investment account statements for the past three months
  • Retirement account statements for the past three months

If you currently own Real Estate:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)
  • Survey and a copy of your owners title policy

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 Home Purchase Basics:

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Here’s some information that will keep you on track.

In General:

                          

A home purchase may be your largest financial transaction to date, so it’s important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Mortgage Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count On Your Real Estate Agent To:

  1. Preview available homes to weed out those that are overpriced, or undesirable in some other way.
  2. Present the homes that suit your needs as you’ve defined them.
  3. Help you determine the difference between a “good buy” and a property which, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.
  4. Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else’s — even if your offer is lower!

Count On Your Mortgage Lender and Loan Officer To:

  1. Assist you in selecting the best loan to meet your personal situation and goals. This single decision can save you thousands of dollars throughout the years!
  2. Keep you informed of your loan status throughout the entire process.
  3. Keep your Real Estate Agent informed of our loan progress.  Your personal information is always kept confidential between you and TrustLine.
  4. Get the appropriate loan for you at the best rates and fees. This will save you significant money “up front” and throughout the years to come.

Count On Yourself To:

  1. Keep your Real Estate Agent informed of any questions or concerns as they develop.
  2. Keep the processes moving by providing documentation and decisions as soon as possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  3. Enjoy purchasing your home, but do remain objective throughout — to make the business decisions that are best for you.
  4. Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.

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How to Get a Loan

Once you select us to obtain your home loan, you’ll be amazed at how quickly and simply the loan process moves. Before you know it, you’ll have a mortgage that suits your lifestyle and saves you money.

Throughout the loan-application process, we provide you with regular updates. You can also e-mail us with questions or new information. And if you want assistance, a mortgage expert who can answer questions is just a phone call away.

Here’s an overview of the loan-application process

STEP ONE — Apply Now! Getting started is easy –

Call: 904-381-LOAN (5626) or Toll free: 1-888-398-6220    

When you’ve selected a property and have a contract with the Seller, the next step is to complete your loan application, which can be done easily through our website. Call us at 904-381-LOAN (5626) or apply online.

At the appropriate time we’ll order a property appraisal for you.

STEP TWO — Your Loan is Approved and Funded

The Seller will typically decide where the loan will close. An attorney or a title company handles the closing of your loan.

We will coordinate with the closing agent and you’ll sign the final papers at their office. Simple, Straightforward, Cost Effective, and FAST!

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Need a real estate attorney or title services?

Sheffield & Boatright Title Services, LLC  is an attorney owned and operated, full service title company proudly serving Northeast Florida with over 150 years of collective Real Estate experience.  Our highly trained staff can cater to all your title needs with speed and efficiency.  Our goal is to provide commendable and excellent service to our clients, whether, they be Buyers, Sellers, Real Estate Agents, Mortgage Brokers and Lending Institutions.

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Useful Links:

Federal Reserve Board Consumer Information – The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.

United States Postal Service Official Movers Guide – What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.

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Call us at 904-381-LOAN (5626) or Toll free: 1-888-398-6220
Email us at info@trustlinemortgage.com
NMLS Consumer Access

6101 Gazebo Park Place North, Suite 108
Jacksonville, FL 32257
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