There’s probably quite a bit more involved than you might think once you submit your loan application. At first, there’s a flurry of activity on your end as you gather the requested information for your loan approval and once you’ve done your part then the lender takes over. But getting from A to Z in […]

Buying and financing a home in Alpharetta, GA with as little money down as possible can be accomplished with the VA home loan program. With a VA mortgage, there is no need for a down payment at all. There is only one other zero down program, one offered by the USDA, but that program is […]

When you first call your loan officer to talk about getting a home loan here in Alpharetta, it’s essentially a casual conversation that takes maybe about 15 minutes or so to get an idea on what your monthly payments will be, how much you’d like to borrow and information about your employment and income. After […]

As you gather all the requested documentation your loan officer asked for, it probably all seems fairly basic. The lender will want to make sure your new monthly payments are affordable, so you’ll be asked to provide third party documentation about your income. This is typically accomplished with copies of your pay check stubs or […]

When Alpharetta borrowers begin to fill out their loan application, one very important section asks about income. At first glance, it’s pretty simple, really. There’s a section for base employment income, any overtime, interest and dividend income, the ever-present “other” section and a field for bonus income. As it relates to bonus income, there are […]