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    Khrista Jarvis Team

    We are grateful that in 2021, we were able to help more clients with their home buying and selling needs than ever before, resulting in a record-breaking year with approximately $600 million in total sales volume, the highest ever recorded in Contra Costa County.

    As this new year begins, we are thrilled to announce that we have made an exciting move, opening our very own luxury office in partnership with Coldwell Banker, the iconic real estate company that was founded in San Francisco! As part of this partnership, we are honored to have been chosen as the first-ever Coldwell Banker Global Luxury® Lifestyle Ambassadors. Click here to review a press release about our new affiliation.

    What the last couple of years have taught us is that we must be ever changing and constantly adapting to better serve the needs of our clients. Having exclusive access to a global luxury network has never been more important than it is now and is paramount to the success of our clients.

    Cheers to a new year of beginnings!

    645 San Ramon Valley Blvd, Danville, CA 94526

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      Applications & Processing

      Mortgage Brokers and Lenders – Who Does What?

      The mortgage broker is the person or company who is your main contact throughout your loan. They are often able to work with a number of lenders, who actually provide the funds for the loan. Typically, the lender pays the mortgage broker a fee for acting as the intermediary and providing all the customer service.

      Filling Out the Application

      There are standard forms to be completed when applying for a loan. Some mortgage brokers keep these on their website so you can fill out and submit the forms on line. The information will be verified and used to qualify you for your loan, so take the time to answer questions accurately.

      Documentation

      The mortgage broker will need copies of the documents you began gathering in the first phase of the loan process, including:

      • Either 2 years of W-2 forms from your employer or 2 years of tax returns if you are self-employed
      • Recent pay stubs
      • 3 months bank and money market statements
      • Brokerage, mutual fund and retirement account statements
      • Proof of other income sources (alimony, trusts, rental income, etc.)
      • Credit card statements
      • Auto /boat / student / miscellaneous loans
      • Drivers’ license or form of ID
      • If you’re not a US citizen, then copy of your green card or visa
      • Copy of any existing mortgage debts if you are applying for a home equity line of credit or another mortgage

      Stay in Communication

      The lender will have an analyst, usually called an "underwriter", crunch your numbers and verify your documentation to confirm your ability to repay the loan. Once you are in contract on a property, there may

      also be a loan approval committee which will meet to review the underwriters’ conclusions regarding your creditworthiness, and to evaluate the property on which they are lending. This is called the underwriting process, and questions

      are bound to arise. Be sure to return your mortgage broker’s calls promptly to keep the process moving forward smoothly. Check in with your broker periodically.

      HP Get In Touch + Details Area

      khrista jarvis-diebner
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      925.856.0782  |  645 San Ramon Valley Blvd, Danville, CA 94526

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