Once you're ready to apply for financing, CMF will ask for the list of documents listed below. Purchase borrowers can apply for financing without a subject property. This is known as a *pre-approval.
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Conventional, Conventional High Balance, Jumbo, FHA, VA, USDA and Reverse Mortgage financing is available in the following states: AZ, CA, CO, FL, ID, IL, KS, MI, MN, NV, NJ, OH, OK, OR,PA, TX and WA.
Each individual situation may require additional documents not listed above. In addition, your Loan Officer will contact you to collect payment for the appraisal and credit report fees.
What's the Difference
*Pre-approval - A pre-approval is what you are looking for in order to start your home search. A real estate agent will ask you for this document to help you find a property
within your approved price range. In order for you to receive your pre-approval CMF will ask you for your personal documentation to be verified. This gives you confidence in your home search.
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Pre-qualifications - Is a tool to get an idea of what you can qualify for. Don’t be lured by this advertisement on many websites. It is known as a guess estimate were nothing is verified. CMF provides exactly what you and your agent needs, a pre-approval.