Shopping for a mortgage loan in Tulsa or anywhere else in Oklahoma need not be a difficult or lengthly process! Give me an opportunity to show you how to get the facts, and the loan approval that you need without all the smoke and mirrors that you may find elsewhere. A simple phone call is all it takes to get answers to any of your questions.
Wayne Pope is a top producing loan officer who specializes in helping families in Tulsa and all of Oklahoma. Wayne knows there are no "secrets" to financial security and he has the desire to educate homeowners on ways they can save money with a refinance or just making that new home purchase. As a mortgage consultant, Wayne knows that everyone has specific lending and mortgage needs.
Wayne Pope is a top producing loan officer who specializes in helping families in Tulsa and all of Oklahoma. Wayne knows there are no "secrets" to financial security and he has the desire to educate homeowners on ways they can save money with a refinance or just making that new home purchase. As a mortgage consultant, Wayne knows that everyone has specific lending and mortgage needs.
Services
On the business side of things, I thoroughly enjoy helping people. I have served NE Oklahoma for nearly 30 years, while raising my family and giving back to the community. My chief strategy now is devoted to the Tulsa Mortgage Guy at Scissortail Financial as a Mortgage Loan Consultant and Originator.
There are many views in the minds of consumers that obtaining a mortgage loan is a complicated process. It isn't possible to get a mortgage loan in one day with a simple application. We fully intend on doing the majority of the heavy lifting for you, so you can spend your valuable time on what's important; preparing to move into the home of your dreams or saving money on a refinance.
If self employed, provide all pages and schedules of 2013 and 2014 business tax returns and corporate K-1's. If retired, provide benefit award letter, last two years 1099's, and all pages and schedules of last two years tax returns. If any rental income is received, provide copy of current lease agreement and mortgage statement.
Private Mortgage Insurance, better known as PMI, is a supplemental insurance policy than may be required to obtain in order t get a mortgage loan. PMI is provided by private, non-government companies such as Radian and is usually required when your loan-to-value ratio, (the amount of the mortgage loan divided by the value of your home) is greater than 80%.
One of the important steps associated with a loan application process is the verification of the down payment, closing costs, and assets. Additionally, documenting assets and debts. As a lender, we use this step to determine your qualification as a borrower.
Documenting that the down payment comes from your checking or savings and that you will indeed have assets over and above the down payment plays an important role in giving the lender confidence in the strength as a borrower which indicates your ability to repay the loan.It is important to take extra care to document the sources you'll use for any monies which may be used for the down payment or closing costs.
Documenting that the down payment comes from your checking or savings and that you will indeed have assets over and above the down payment plays an important role in giving the lender confidence in the strength as a borrower which indicates your ability to repay the loan.It is important to take extra care to document the sources you'll use for any monies which may be used for the down payment or closing costs.
