Topics & Actions to Consider:


  • Privacy & Security of your information is priority one for our Bank.
  • Understanding your situation and your needs is key to successfully & smoothly establishing an intelligent financing solution.
  • Let me know who is on your team (Realtor, Title Co., Insurance Agent, Financial Planner, Attorney, and others).  We will then speak with your other professionals to make sure that our Mortgage plan coordinates with your overall financial plan.
  • Intelligent preapproval can potentially lower your payment, save thousands at closing, generate potential tax benefits, & can even improve the terms of your purchase! Ask me how.
  • Sales contract preplanning is critical because how you contract impacts the options you'll have to create maximum savings.
  • There are mortgage programs with as little as zero down payment, and options with no monthly mortgage insurance.
  • Let me know if there is anything big going with you such as upcoming job changes, marital status changes, and/or large movements of funds in your accounts so as to avoid surprises.
  • It is critical that you establish your home insurance right away after going into a purchase contract, as some homes are found to be uninsurable.  Look at higher deductibles to lower your premium, earthquake coverage, sewer backup coverage, and identity theft protection.  I recommend you arrange with your title company to have the home insurance premium for the first year to be paid at closing, versus prior to closing.
  • Title insurance is always recommended (lender's coverage is always required).  Our Bank coordinates title insurance for refinances, and the buyer (or buyer's Agent) typically coordinates it for purchases.
  • You should consider (though it's not required by our Bank) obtaining the following inspections on purchases:  termite, radon, building, sewer lateral line, & gas.
  • Ask your Realtor about a home protection plan.

    "It's quite an honor, working so closely with thousands of people for over 29 years now, helping them successfully and intelligently finance their dreams."     Gene Jacobson