EXPECT THE BEST
when you work with
The Kulbe Team
MEET YOUR
MORTGAGE TEAM ERIC KULBE VP, Production
The Kulbe Team combines years of experience and dedication to facilitate a smooth process every time. By providing constant communication and education, and timely, low-stress closings, we deliver a pleasant and enjoyable home buying experience.
NMLS #283875
P (303) 717-0293 E ekulbe@S1Lcom
DAVE LASZEWSKI Production Manager
NMLS #692031
P (303) 704-5472 E dlaszewski@S1L.com
RACHEL VIGIL Production Manager
NMLS #955528
P (303) 506-8533 E rvigil@S1L.com
ANDRE HARRIS Business Development
NMLS #1642707
P (815) 751-8873 E aharris@S1L.com
5675 DTC Blvd., Suite 250 Greenwood Village, CO, 80111
WHY
S1 CONNECT Submit Application Calculate Payments Upload Documents Real Time Notification
SPEED
Fly through the mortgage process with the utilization of today’s cutting edge technology
EASE
Navigate through the loan process with ease using our next-level app, S1 Connect
EXPERTISE
Explore your financial options with one of the best in the mortgage industry
Agents can co-brand and stay updated on their clients process, too!
WHAT OUR CLIENTS ARE SAYING ABOUT US
Great Response to our needs and quick work on the loan process. The went over and above in an effort to process the loan and get the good results we wanted. We would recommend them to anyone considering a loan. They are a great team!
- Lloyd B.
I've worked with the Kulbe Team for many years through several different transactions. Their whole team makes the process easy through their 5-star communication and knowledge. I recommend this team to anyone looking for a new mortgage or a
- Katie K.
Eric and the team were wonderful! Everyone we talked to was incredibly personable, helpful, and quick to respond. The process was smooth and straight forward, and things were handled timely which helped to keep the stress low. Thanks again!
- Katherine D.
Eric Kulbe's team worked quickly and efficiently to process and approve the loan for the purchase of our home. He and his team members are professional and knowledgeable. We highly recommend Eric Kulbe and Synergy One.
- Brian T.
DO’S AND DONT’S
PLEASE
DO NOT Don’t make a major purchase Don’t apply for any new credit Don’t transfer any balances Don’t use your down payment savings
PLEASE
DO Do continue making your mortgage / rent payments Do stay current on all existing accounts Do keep working at your current employer
Don’t pay off charge-offs
Do return ALL requested documentation on time
Don’t close any credit card accounts
Do continue living at your current residence
Don’t change bank accounts Don’t charge up credit cards Don’t take out a new loan
S
Do call me with any questions!
1 WO R K 2 3 4 5 6 7 8 9 H O W
W E
APPLICATION We’ll talk about your needs up front and gather as much info as possible to get a head start on your refinance or purchase.
LOAN DOCUMENTS We’ll need your help collecting documentation such as Pay Stubs, Bank Statements, W-2s and Employment History so we can have your loan processed quickly and prevent any last minute rushing and stress.
Meet your new best friends...
Your Synergy One Lending team! Have a conversation with us about your goals to establish expectations, assess credit, and check out financing options.
S1L.1020.2123TE.C
DISCLOSURES You will receive, acknowledge and return a disclosure package, which explains your loan product and costs.
APPRAISAL Here, we work with a professional team of local appraiser to have a good look at the value of your investment, your home.
PROCESSING Once all the documentation is provided, your loan will be sent to one of our Processors, who will make sure everything is in order before sending it off to the Underwriter.
UNDERWRITING Since we hire only the best, you can be sure we will treat your file with love and attentive care throughout this very important part of your transaction.
CONDITIONAL APPROVAL Here, we will satisfy any remaining conditions to your final approval as quickly as possible to get you to the closing table.
CLEAR TO CLOSE Time for a happy dance. We are now ready to get you to the closing table by preparing your final loan documents. Thanks to our awesome teamwork, you will have a smooth and exciting closing experience.
CELEBRATE! When you’re happy, we’re happy. Congratulations on a successful transaction. Your loan is funded. Here’s to our new and lasting partnership!
Eric also brings his extensive coaching knowledge and experience to Synergy One. He is both a student and coach in The Core Real Estate and Mortgage Training program. This very successful business platform has enabled Eric to both educate and network with a vast group of professionals in the real-estate field. His expertise in the training program has helped numerous clients and business partners reach their goals both personally and professionally.
The Kulbe Team WORKING TOGETHER TO SERVE YOU BETTER
Synergy One Lending, Inc., NMLS 1907235. 3131 Camino Del Rio N 150, San Diego, CA 92108. Toll Free #: (888) 995-1256. Synergy One Lending, Inc. is licensed in the following states: AK, AL, AR, AZ, CA- Licensed by the Department of Financial Protection and Innovation under the California Finance Law License., CO, CT, DC, DE, FL, GA- Georgia Residential Mortgage Licensee., HI, IA, ID, IL- Illinois Residential Mortgage Licensee., IN, KS, KY, LA, MA-Licensed by the Massachusetts Division of Banks as a Broker and Lender as #MC1907235, MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ- licensed by the N.J. Department of Banking and Insurance, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI and WY. All Loans are Subject to Credit and Property Approval. Equal Housing Lender. www.nmlsconsumeraccess.org