Office 470-303-0087 homeownersfg.com/joshuadean ABOUT US Integrity We consider it an honor when you choose us to be your mortgage lender. Speed & Convenience Our online application and process let you handle everything from wherever you are with a fast pre-approval and work to deliver an equally fast closing using our high tech, cutting-edge technology so you can get the keys to your new home quickly Customer Service From initial consultation through closing, we treat our clients like family. You can expect a mortgage experience you’ll want to tell your friends and neighbors about.
We’ll make sure all the information we provide is as accurate as possible up front so you know what to expect at every step
Accuracy with Options
MEET JOSHUA
JOSHUA DEAN
Sales Manager, NMLS#1662895
(470) 863-7071 direct • (470) 303-0087 mobile • (470) 863-7081 fax jdean@homeownersfg com • www homeownersfg com/joshuadean
SERVING GEORGIA, FLORIDA, ALABAMA & TENNESSEE
Joshua has over 15 years of experience in the financial services industry including residential mortgage, debt management, and property and casualty insurance. The Dean Team considers it an honor and privilege to be able to serve people and their families through the homebuying journey. Their ‘why’ is to create experiences that matter by helping people build generational wealth through homeownership. Joshua holds a bachelor’s degree in Early Childhood Education as well as a master’s degree in Theological Studies. Joshua, his wife, Tina, and their three children live in the North Georgia area.
NATIONAL RECOGNITION
Joshua Dean has been consistently recognized as a top producer including Mortgage Executive’s Top 1% Mortgage Originators in America and Scotsman Guide’s Top Originators.
Joshua is also an esteemed member of President’s Club and President’s Club Council at Homeowners Financial Group.
These awards are a reflection of the team’s topnotch service, commitment to clients and partners, and continued referrals.
NMLS#1662895 NMLS#1289296 Homeowners Financial Group USA, LLC | NMLS#93718 | www.homeownersfg.com | Equal Housing Lender | 22713 | MLD1602 | GA Residential Mortgage Licensee #53577 | 135710 This is not a commitment to engage in a loan transaction All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines Information, rates and programs are subject to change without prior notice Some products may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but are offered through a lender with whom HFG has a business relationship Other restrictions and limitations may apply ©Homeowners Financial Group USA, LLC All rights reserved Meet Our Team Creating experiences that matter. SUZIE MESSER JEFF ADAMS JOSHUA DEAN COLLEEN FALLON Director of Client Experience (414) 899-8729 direct smesser@homeownersfg com Mortgage Advisor (678)
direct jadams@homeownersfg.com Sales Manager (470)
direct (470)
mobile (470)
fax jdean@homeownersfg com homeownersfg com/joshuadean Licensed Mortgage Professional Assistant (404) 301-1632 direct cfallon@homeownersfg.com homeownersfg.com/colleenfallon
665-6117
863-7071
303-0087
863-7081
NMLS#216218
WHAT CLIENTS ARE SAYING
“Joshua and his staff were amazing. Gave trusted advice, very prompt to respond and made sure that we were cleared to close early in the process. Extremely happy that I choose to work with Joshua!” - Ashley D.
“I don’t think I can articulate how wonderful Joshua was during my home buying process He took the time to walk me through every single step of the process. He invested his time in making sure I understood each aspect of the loan and the process and made me feel like every simple question I had wasn’t a waste of his time. I truly couldn’t have done it without his help and support. I feel like I was a valued client and I would without a doubt recommend him and his services. I am so thankful for him making the process smooth and easy for me.” - Allison B.
“Joshua Dean was very proficient and professional helping us through the mortgage process. We couldn’t have asked for a better experience. He helped us save money and got us a great rate! I will definitely use him again in the future and I will be telling all my friends and family about him as well! Thank you Joshua!” - Kelly L.
WHAT AGENTS ARE SAYING
BUYING AGENTS
“They have the best communication system in place. Not only are they very knowledgeable, patient and friendly, but are also on top of everything. Joshua is very patient with my first time homebuyers in explaining what’s the best program for them in the long run Thank you so much to the Dean Team!” - Cynthia B
“Joshua and the team knocked it out of the park. Such a great experience for all involved. My clients always talk so highly of him. They love the amount of communication and care Joshua shows each client no matter the price of the home Thank you Joshua and your team!! Always a pleasure So grateful for you!” - Liza L
LISTING AGENTS
“I was the Listing Agent on this transaction, and I was kept in the loop on the progress of the Buyer’s loan process Any time a sale closes on time with limited obstacles, it is a positive experience!!” - Katrina H
“Joshua’s communication is exceptional!” - Cheryl H
“Joshua and his team do an amazing job at communicating with both realtors and clients/borrowers. They are quick to response and answer questions clients have and they go above and beyond to make sure they close on time. They are invested in the borrower’s best interest and make the transactions run as smooth as possible ” - Cami R
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During Process Breakdown
DOCUMENTATION NEEDS LIST
Below are some of documents you might need to provide when applying for a home loan. Please work with your HFG Licensed Mortgage Professional regarding the documentation needed for your unique loan situation, as you may not need to provide any or all of the listed documents.
You may have already been asked for certain documentation or will be receiving a specific list from your HFG Licensed Mortgage Professional – please do provide these requested items as quickly as possible.
This list is not comprehensive and you may be asked to provide additional documents throughout the loan process.
Employment/Income
Provide most recent paystubs for 1 month
Provide W-2's for the past two years
Provide all pages and schedules of last two years
personal Federal tax returns
If self-employed, provide all pages and schedules of last two years
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
Credit
Copy of driver's license
Letter of explanation for all credit inquiries within the last 3 months If VA, Certificate of Eligibility and copy of DD214
Assets
Provide ALL pages of most recent 2 months statements for accounts used for down payment and reserves if required (checking, savings, stocks, IRA, 401k, etc.).
The statements must show your name, account number and the name of the banking institution.
Property
Homeowners Insurance Agent's name, address, and phone number for the subject property
If you’re retaining your current residence, provide mortgage statement showing taxes and insurance are included in the monthly payment
Mortgage statement for all rental properties and second homes (plus taxes and insurance) if not escrowed
MORTGAGE PROCESS
The Mortgage Process, Step by Step
Before you purchase a home, get acquainted with the basics of the home loan process. Follow these steps to familiarize yourself with common terms and milestones, and for a smoother overall buying experience. You’ll be glad you did!
Preapproval:
A preapproval helps you know in advance how much home you can afford. To start, you may be asked to complete a loan application. Completing this step will also increase your negotiating power when making a purchase offer.
Documentation:
Paperwork supporting the application must also be submitted, which includes income and asset documents.
The Hunt:
Begin shopping for a house.Once you find the right one, the terms of the sale will be negotiated, including the price and potentially the terms of the loan being sought. A professional real estate agent can make this part of the process fun and less frustrating.
Inspection and Appraisal:
Lenders require an appraisal and may require certain inspections on all home sales. By knowing the true value of the home, the borrower is protected from overpaying. During this time, a title examination is also performed to determine whether any liens exist on the property’s previous owners.
Loan Decision:
The loan is approved or declined. A conditional loan approval may be contingent on additional documentation or actions. In some cases a counter approval may be provided with alternative loan options.
Closing:
All final loan and escrow documents are signed. The lender confirms and completes the transaction with the necessary loan funds.
WHAT TO DO
WHAT TO DO
THE DO LIST
Continue making your mortgage or rent payment
Return all requested documentation in a timely manner
Stay current on all existing accounts
Notify us if you have any upcoming changes in employment, raises, or pay structure
Notify us if you receive any gift funds for a down payment
Develop, in advance, with your HFG Licensed Mortgage Professional a “cash-to-close” account
Notify us of any vacation plans during loan process time
Call with ANY QUESTIONS!!!
THE DONT LIST
Don’t forget to pay your bills
Don’t make random undocumented deposits into your bank account
Don’t quit your job
Don’t transfer large sums of money between bank accounts
Don’t switch from a salaried job to a commissioned job or a 1099 independent contractor position
Don’t buy or lease a new car
Don’t make a big purchase on exisiting cards
Don’t accept a cash gift wtihout filling out the proper goft paper work
DOWN PAYMENT OPTIONS
Ways to get a down payment for a home
Saving and investing
Family loans or gifts
Down payment assistance program
Cashing out stock awards
Borrowing from retirement savings
JOSHUA DEAN NMLS#1662895 Sales Manager Office (470) 863-7071 Cell (470) 303-0087 Fax (470) 863-7081 jdean@homeownersfg.com homeownersfg.com/joshuadean 141 Railroad Street, Suite 120B Canton, GA 30114 HomeOwnersFinancialGroupUSA,LLC-NMLS#93718-EqualOpportunityHousingLender-nmlsconsumeraccessorg
