ÿþ<html> <head> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <title>Classic Home Financial, Inc.</title> <style type="text/css"> <!-- body { margin-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; background-image: url(../images/pagebg.jpg); background-color: #d3d3d3; } .data { font-family: Verdana; font-size: 11px; font-weight: normal; color: #666666; text-decoration: none; text-align: justify; } body,td,th { font-family: CHF; } --> </style> <script type="text/JavaScript"> <!-- function MM_findObj(n, d) { //v4.01 var p,i,x; if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) { d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);} if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n]; for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document); if(!x && d.getElementById) x=d.getElementById(n); return x; } function MM_preloadImages() { //v3.0 var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array(); var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++) if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}} } function MM_swapImgRestore() { //v3.0 var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc; } function MM_swapImage() { //v3.0 var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3) if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];} } //--> </script> <link href="../includes/styles.css" rel="stylesheet" type="text/css"> <style type="text/css"> <!-- .style2 {color: #0D1515} --> </style> </head> <body onLoad="MM_preloadImages('../images/home2.jpg','../images/aboutus2.jpg','../images/contactus2.jpg','../images/sitemap2.jpg','../images/formlib2.jpg','../images/licst2.jpg','../images/faq2.jpg','../images/chfnews2.jpg','../images/btdaily2.jpg','../images/SH1_about2.jpg','../images/SH1_contact2.jpg','../images/SH1_sitemap2.jpg','../images/btbroker2.jpg','../images/btmatrices2.jpg','../images/btsignon2.jpg','../images/bttochf2.jpg')"> <table width="778" border="0" align="center" cellpadding="0" cellspacing="0" background="../images/samp2.jpg"> <tr> <td valign="top" background="../images/samp2_img.jpg"><table width="100%" height="100%" border="0" cellpadding="0" cellspacing="0"> <tr> <td height="1" valign="top"><table border="0" cellspacing="0" cellpadding="0"> <tr> <td valign="top" bgcolor="#FFFFFF"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="1"><img src="../images/header_left.jpg" width="23" height="96"></td> <td background="../images/header_center.jpg"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="39%" valign="middle"><a href="../index.asp"><img src="../images/logo.jpg" width="283" height="41" border="0"></a></td> <td width="19%" align="right" valign="bottom"><a href="../index.asp" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('Image23','','../images/SH1_home2.jpg',0)"><img src="../images/SH1_home1.jpg" name="Image23" width="77" height="31" border="0"></a></td> <!--<td width="21%" align="right" valign="top"><a href="files/companyinfo.html" target="_self" onMouseOver="MM_swapImage('Image29','','../images/SH1_about2.jpg',1)" onMouseOut="MM_swapImgRestore()"><img src="../images/SH1_about1.jpg" name="Image29" width="167" height="31" border="0"></a></td>--> <td width="26%" align="left" valign="bottom"><a href="contactus.html" onMouseOut="MM_swapImgRestore()" onMouseOver="MM_swapImage('Image30','','../images/SH1_contact2.jpg',1)"><img src="../images/SH1_contact1.jpg" name="Image30" width="115" height="31" border="0"></a></td> <td width="16%" align="right" valign="top" style="padding-top:6px;"><img src="../images/lonestar.jpg" width="119" height="77"></td> </tr> </table></td> <td width="1" align="right"><img src="../images/header_right.jpg" width="24" height="96"></td> </tr> </table></td> </tr> <tr> <td valign="top"><img src="../images/SH1_3_inner.jpg"></td> </tr> </table></td> </tr> <tr> <td valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td height="449" valign="top" background="../images/ll1bg.jpg"><img src="../images/ll1_inner.jpg" width="29" height="449"></td> <td width="99%" valign="top" background="../images/inner_bg.jpg" bgcolor="#E7E9EA" class="norepeat"> <table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td><img src="../images/requireddoc_top.jpg" width="720" height="96"></td> </tr> <tr> <td valign="top" class="contact" > <table width="690" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td class="contact"> <p><br> Whether you are a first-time homebuyer or an experienced homeowner, Lone Star can help guide you through the mortgage process. Each section provides an overview of a topic. For a more detailed discussion, please contact our Financial Specialist at 866-620-9147.</p><br /> <p><strong>GET ORGANIZED</strong></p> <p>Getting ready ahead of time will help the process move quickly and smoothly. It is a good idea to understand your credit score and review your credit history at the beginning of the process. Remember: even if you have less-than-perfect credit, you may still qualify for a mortgage.</p><br /> <p><strong>Documentation you will need</strong></p> Traditional loans may require a variety of important documents to verify your employment, income and assets. Here are some of the documents you may need to prepare when applying for a traditional mortgage loan (keep in mind that the amount of paperwork required will vary by product): <ul> <li> Your Social Security Number<br> <li> Pay check stubs for a full month<br> <li> W-2 forms for the past two years<br> <li> Bank statements for the past two months<br> <li> One to two years of federal tax returns<br> <li> A signed contract of sale (if you have already chosen your new home)<br> <li> Information on current debt, including car loans, student loans and credit cards<br> </p> </ul> <p><strong>Employment income verification</strong><br> <ul> <li> Names and addresses of all employers for the last two years<br> <li> If you work for a really big company, you may want to call human resources and ask what address should be provided for employment verifications<br> <li> W-2 s for the last two years (and perhaps even federal income tax returns from the past two years)<br> <li> Pay check stubs for a full month<br> <li> If you are self-employed, you will need to provide signed tax returns for the last two reporting years (business and personal). You may be required to provide year-to-date profit and loss statement and balance sheet </p> </ul> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supporting documentation for other income you wish to have considered in qualifying for a loan may include:</p> <ul> <li>Social Security and disability payments<br> <li> Pension income<br> <li> Dividend income<br> <li> Child support and/or alimony income<br> <li> Bonuses<br> <li> Overtime<br> <li> Rental property income </p> </ul> <p><strong>Asset verification</strong>:<br> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Your assets may need to be verified through:</p> <ul> <li> A gift letter (if you are receiving a monetary gift from an immediate family member)<br> <li> Statements and records for the last two months that include account names, address, account numbers and balances for any checking, savings, credit unions, mutual funds, IRA, 401K and other retirement plans and securities (stocks, bonds). <p> </ul> <strong>Additional documentation</strong><br> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You may also be asked for these additional items:</p> <ul> <li> A list of your addresses of residences for the last two years<br> <li> If you were a full-time student at any time in the past two years, a copy of your diploma or transcripts<br> <li> If you are a resident alien, evidence of permanent residency issued by INS (a.k.a. green card)<br> <li> Names, addresses and phone numbers of all parties involved in this transaction, including attorneys and/or closing agent and real estate agents </ul> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Depending upon the product and program for which you are applying, additional information may be required.<br />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any delays in providing requested information could potentially delay your closing date.</p> <p><strong>THE ROAD TO CLOSING</strong><br> <p>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The  closing occurs when the finalized loan documents are signed, and the mortgage funds are disbursed. <br />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At this time, you will officially own your new home!</p> <ul> <li> Depending on the practices and conventions in your local area, the time between signing the purchase agreement and your closing day may be anywhere from 20 to 60 days. <li> Your Home Financial Specialist can help you create a reasonable estimate for how long it will take to complete the process of your loan. </ul> <p> <tr><td style="padding-right:20px; padding-bottom:30px" align="right"><img src="../images/eq_house.gif" border="0"></td></tr> </p> <p>&nbsp;</p></td> </tr> </table> </td> </tr> </table> </td> <td align="right" valign="top" background="../images/rr1.jpg"><img src="../images/rr1_inner.jpg" width="29" height="449"></td> </tr> </table></td> </tr> <tr> <td height="38" valign="top" background="../images/copyright.jpg"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="3%" align="right">&nbsp;</td> <td width="47%"align="left" class="copy">&copy; 2010 <span class="style2">Classic Home Financial, Inc.</span></td> <td width="47%" align="right"><a href="http://www.tekcenture.com" target="_blank"><img src="../images/tekdynamicslogo.gif" border="0"></a></td> <td width="3%" align="right">&nbsp;</td> </tr> </table></td> </tr> </table></td> </tr> </table> <map name="Map"> <area shape="rect" coords="30,1,312,31" href="../index.html"> </map> <map name="Map2"> <area shape="rect" coords="31,30,311,45" href="../index.html"> </map> <map name="Map3"> <area shape="rect" coords="30,0,312,6" href="../index.html"> </map> </body> </html>