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I want to PRE-QUALIFY to purchase a home or investment property:

LOAN PURCHASE PREQUALIFICATION Click this icon if you have not yet found the right property but want to explore your options and make a plan to put your best foot forward. Your FREE PreQualification Consultation is the quick and easy way to get this process started. It does not include validation of credit, income, or assets so it's not enough for your Real Estate Agent to schedule showings for you but you can just choose the Pre-Approval option below when you are ready to get serious.
 

šŸ”„ Be sure to give me any important details so that we are moving together in the same direction. Once you complete and submit your information, I will determine the best loan options to achieve your goals and calculate your potential qualification. Please reach out if you have not heard back from me with your next steps within 2 business days.


Let's do this! I want my property purchase PRE-APPROVAL that allows me to tour homes and write my purchase offer.

Stop Scammers & Spammers STEP I - Click this icon to complete the Opt-Out Prescreen request and then wait 5 days before ordering your credit report. (Step IV below)

This will STOP the telemarketers, spammers, & scammers from getting your contact information and notification that you are interested in a mortgage loan. The Credit Bureaus, not the mortgage company, sell your information when you start a mortgage application.
This is the ONLY way to stop them and it really works.


Start the Experian Boost 		STEP II - Click this rocket to complete the Experian Boost.

This is a FREE service from the credit reporting agency, Experian. They do good things too! It CANNOT hurt your credit. I have seen this raise scores from 0 to 35 points. You will create your Experian Boost account and then from there, log into your bank account. It takes your monthly recuring payments and turns them into POSITIVE credit items on your Experian report.

šŸŸ” TRANSUNION

šŸŸ¢ EQUIFAX

šŸ”µ EXPERIAN
 STEP III - Unlock your credit. Click each credit bureau name here and thaw your report with each one.

Itā€™s wise to keep your credit record frozen/locked but you must remove the security freeze from each bureau BEFORE requesting a Mortgage Credit Report or it will be blank and youā€™ll have to come back and order it all over again.

Order My credit Report STEP IV - Click this icon to order your credit report. I'll review it and let you know where you currently stand as well as starting my custom Boost Recipe(šŸ‡¹šŸ‡²) for raising your FICO score.

You will be directed back here to continue with the online application below.

LOAN PURCHASE PREAPPROVAL STEP V - Click this icon to create your Application Portal and complete your personal details needed to run your qualification analysis.

The more details you provide, the faster this gets done and the more accurate my advice will be.

LOAN NEEDED PAPERWORK STEP VI - Click this icon to see the list of required documents you need to submit for your PreApproval.

This is that validation mentioned above because your Pre-Approval assures the real estate agents and property seller that you are capable of completing your part of the contract.

šŸ”„ Please upload this documentation to the portal you created in Step V above, eMail to Ray@OneRay.com, drop off at the office, or bring with you to our meeting.

LOAN APPOINTMENT STEP VII - Click here to book my time to chat about all this.

I will answer all your questions, discuss the whole Real Estate process including ways to improve your qualification and simplify the process, and together, we will create your plan to achieve your property ownership goals.



I already own a home or investment property and want to REFINANCE:

LOAN REFINANCE APPLICATION Click here to apply for a REFINANCE mortgage used to get a new loan and/or pay off an existing loan that you already have on a property that you already own.