Investment

Ask any seasoned and successful investor and you are almost certain to hear that real estate occupies some part of his or her diversified portfolio. Generation of rental income and potential for price appreciation are just two of the reasons the financially savvy have always been attracted to owning real estate as an investment.

Primary Home

To make your first time home buyer mortgage experience simple and stress-free, Centerpointe Financial has simplified the process and will work with you each step of the way. Moving up, downsizing or relocating? However classified, changing the place you call home can be a stressful experience, even when everything goes well.

Pre-Approval

  1. Meet with your Centerpointe Financial loan officer
  2. Provide the documentation (detailed in the left column).
  3. Your credit is run
  4. Your loan file is reviewed and typically run through the Fannie Mae or Freddie Mac online system for approval.
  5. Your Centerpointe Financial loan officer provides you with a Fannie Mae or Freddie Mac approval.
Employed
  1. Two (2) most recent pay stubs.
  2. W-2's from the past two (2) years.
  3. Federal Tax Returns from past two (2) years.
  4. Two (2) most recent bank and asset statements.
  5. Home insurance on all properties you may own.
  6. Mortgage statements on all mortgages you may have.
  7. Homeowners Association Bill, if you have an HOA.
  8. Driver's license
If you are looking at a new home, your first home, a vacation home or an investment.

The first thing to do is to get pre-approved before you find a house. Follow our process below and the requirements on the upper left to help you feel at ease.

Documentation needed for your Purchase

Centerpointe Financial, Inc. Purchase

Find A House

  1. Choose a Realtor, we can assist you also with our Centerpointe Realty Division
  2. Visit properties with you realtor
  3. Find the one you like
  4. Make an offer
  5. Negotiate with the seller
  6. Have the offer accepted
  7. Call your Centerpointe Financial Loan officer.

The Loan Process

  1. Tell your Centerpointe Financial loan officer you are in escrow
  2. Your Centerpointe Financial loan officer will submit your loan for approval
  3. After 3 days from the loan is submitted you can order an appraisal
  4. The appraisal report comes back
    • If the appraisal comes back low, you may have time to negotiate with the seller
  5. Finalize all paperwork
  6. Transfer the down payment to escrow
  7. Send a copy of the paper trail of the down payment to your Centerpointe Financial loan officer.
  8. Your Centerpointe Financial loan officer will provide the information to your lender.

Call Today: 800.600.2115

The Loan Process

Self - Employed

  1. Corporate, LLC or Partnership Federal Tax Returns from the past two (2) years.
  2. Two most recent pay stubs
  3. Personal Federal Tax Returns from past two (2) years.
  4. Two (2) most recent bank and asset statements.
  5. Home insurance on all properties you may own.
  6. Mortgage statements on all mortgages you may have.
  7. Homeowners Association Bill, if you have an HOA.
  8. Drivers License

Vacation Home

If the ocean, mountains or a quiet place in the country are calling, we’re here to answer. Hold onto the dream of someday owning a secondary residence. That dream might be closer to reality than you know.