T E A M TAY L O R - M AT T E O

THE HOMEBUYING EXPERIENCE

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T E A M TAY L O R - M AT T E O

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GUIDE TO A QUALITY HOME

FINANCING EXPERIENCE

T E A M TAY L O R - M AT T E O

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HOME FINANCING
Te a m Ta y l o r - M a t t e o i s c o m m i t t e d t o
delivering an unexpected level of excellence
while building lasting relationships.

T E A M TAY L O R - M AT T E O

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MEET THE TEAM

Professional, experienced, knowledgeable

L O A N P R E - A P P R O VA L
Getting the edge on the competition

LOAN PROCESS

Steps to a smooth and seamless transaction

Get started today

DOs AND DONTs

Of home financing

THANK YOU
Dreams Approved Daily
T E A M TAY L O R - M AT T E O

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MEET THE TEAM

Professional, experienced, knowledgeable

KEELY TAYLOR
ML O 134942

Branch Manager /
Sr. Mortgage Banker

Ke e l y a n d John have over 20 years mortgage

e x p e ri e n c e , and have w orked w i th cl i entel e
ra n g i n g fro m fi rst ti me home buyers to the
m o re s o p h i s ti cated i nvestment property purc h a s e r. C l i ents recei ve an i n depth personal
c o n s u l ta ti o n w i th ei ther K eel y or John, matchi n g th e i r i n vestment goal s to the appropri ate
l o a n p ro g ram. They provi de a detai l ed
e x p l a n a ti o n of the enti re mortgage process
a n d th e i r thorough revi ew w i l l keep buyers
i n fo rme d throughout the l oans progressi on.

JOHN MATTEO
MLO 121128

Sr. Mortgage Banker

T E A M TAY L O R - M AT T E O

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KORI ZINSZER

CHRISTINE SMITH

M LO-1367976

Loan Manager

MLO-1072020

Team Banker

ERIKA ALEGRE
Sr. Processor

JULIE STANDARD
Marketing

DUSTIN HUTLEY
Loan Partner

CONNOR WEBB
Loan Partner

T E A M TAY L O R - M AT T E O

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L O A N P R E - A P P R O VA L
Getting the edge on the competition

T E A M TAY L O R - M AT T E O

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A D VA N TA G E S O F A P R E - A P P R O VA L

Save time by looking at the right homes at the right price

Gain confidence and avoid disappointment

Increase bargaining and negotiating power

Enjoy a faster closing period

T E A M TAY L O R - M AT T E O

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LOAN PROCESS
Steps to a smooth and seamless transaction

T E A M TAY L O R - M AT T E O

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A T R U E P R E - A P P R O VA L I N C L U D E S :

An in depth consultation with Keely Taylor or John Matteo where they
will spend an hour with you reviewing your financial goals, educating
you on the mortgage process and your options

Comprehensive review of your credit report, with a printed copy avail able for you to take home with you

Keely or John will craft a tailor-made strategy for you, matching your
goals with the best loan available for you

Detailed explanation of the mortgage process and the required
documents

Thorough review of your financial documents to troubleshoot for
potential underwriting problems

Expert operation of Fannie Mae / Freddie Macs automated underwriting
system to get you an actual electronic approval

Exclusive WOW touch point system of regular calls and communica tion throughout the process

Signed, guaranteed preapproval letter sent to you and/or your realtor

Ongoing access with Team Taylor-Matteo during your home shopping
process for customized estimates and address-specific preapproval
letters

On-time, 21-day Purchase Promise to back our pre-approval

T E A M TAY L O R - M AT T E O

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LOAN PROCESS
Get started today

T E A M TAY L O R - M AT T E O

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PLEASE HAVE THESE ITEMS WITH YOU:

Personal

Photo ID and one other form of ID (i.e. SScard
or passport)
Income

Most recent 30 day paystubs for all borrowing

Last two years tax returns, including all schedules

Last two year s W-2s from all employers

Social Security awards letter, pension verification
(if applicable)
Assets

Last two months bank statements, all pages,
for all open accounts

Recent statement, all pages for 401Ks, IRAs,
money market, stocks and CDs

Copies of deposits that are not ADH (via ATM,
branch or mail)
Possible Documents Required

Executed sales contract

Copy of recorded divorce decree

Bankruptcy papers to including discharge notice

Job acceptance letter (relocation) or job change

Current property tax bill

Homeowner s Declaration page

Flood insurance

DD214 (VA onl y)
Apply now at www.pacresmortgage.com/teamlist/taylor-matteo/ or call 541-526-8161.

T E A M TAY L O R - M AT T E O

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DOs AND DONTs

Of home financing

T E A M TAY L O R - M AT T E O

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DO

DONT

SAVE & PROVIDE:

BEFORE OR DURING THE LOAN

PROCESS:

Most current pay stubs, last 2

year s federal tax returns (all

pages, all schedules),

W-2s/1099s and other income
documentation
C urrent debt including: creditor s

name, monthly payment and
balance

Quit or change jobs

Increase current credit balances

Open or apply for any new credit

accounts

Dispute or close any items on your

credit report

If applicable, a complete and final

copy of your divorce decree

Forget to make your payments on

time

Explanations for any (current/

pending) derogatory credit, judgments or liens

Transfer or deposit large sums of

money

Most recent asset statements

including: bank, brokerage, mutual
funds, and retirement accounts

Source of non-payroll deposits

AS YOUR ADVOCATE AND TRUSTED

ADVISOR, YOU CAN EXPECT:

Evidence of 60 days seasoned,

liquid assets for funds to close

A superior level of knowledge and

experience

Gift fund documentation i ncluding Exceptional customer service

proof of donor s ability to gift, gift
Your home financing goals to be
letter, copy of gift check and proof
achieved
of gift deposit

Make any cosmetic or structural

changes to the property

T E A M TAY L O R - M AT T E O

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OUR CLIENTS ARE TOP

PRIORITY
Committed to helping you through the mortgage
financing process

T E A M TAY L O R - M AT T E O

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TODAY

All about you

Whats most important to you?
Budget review

NEXT 24 to 48 HOURS

Application signing and document exchange

Process automated underwriting
Present multiple loan options based on best scenario for you

CONTRACT TO CLOSE

Weekly update call

48 hour pre-close review
At closing survey
Official appraisal copy and closing gift

POST CLOSING

Two month post close review

Customer appreciation event
Annual review call
Lifetime relationship

T E A M TAY L O R - M AT T E O

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THANK YOU
Te a m Ta y l o r - M a t t e o t h a n k s y o u f o r c h o o s i n g
Pacific Residential Mortgage to assist you,
w e A p p r o v e D r e a m s D a i l y.

T E A M TAY L O R - M AT T E O

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T E A M TAY L O R - M AT T E O

Vancouver
9330 NE Vancouver Mall Dr., Suite 200
Vancouver, WA 98662
Phone: 360-524-7189
Redmond
2444 SW Glacier Place
Redmond, OR 97756
Phone: 541-475-3795

team.taylor-matteo@pacresmortgage.com
www.TeamTaylor-Matteo.com

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