You send your paperwork ahead, I read it properly, and then we sit down for ninety minutes either at my office on Meramec, at your kitchen table, or on a video call. What I need from you: two years of federal returns with every schedule, year to date profit and loss if you are self employed, twelve months of business and personal bank statements, and a rough note of your monthly debts. If you have a credit report already, send it. If not I will explain how to pull yours without a hard inquiry. What you get: your qualifying income calculated the way an actual underwriter calculates it, which is often nothing like what you think you earn. Your real debt to income ratio. The specific items in your file that will cause questions and what documentation answers each one. A written summary afterward, usually two or three pages, that you can hand to any lender, not just me. This is document review and education. It is not a loan application, it is not a preapproval, and it does not commit you to anything. Plenty of people take the summary somewhere else and that is fine. Evenings and Saturdays available. I will travel up to about 40km from the city, which covers most of the metro.

You send your paperwork ahead, I read it properly, and then we sit down for ninety minutes either at my office on Meramec, at your kitchen table, or on a video call. What I need from you: two years of federal returns with every schedule, year to date profit and loss if you are self employed, twelve months of business and personal bank statements, and a rough note of your monthly debts. If you have a credit report already, send it. If not I will explain how to pull yours without a hard inquiry. What you get: your qualifying income calculated the way an actual underwriter calculates it, which is often nothing like what you think you earn. Your real debt to income ratio. The specific items in your file that will cause questions and what documentation answers each one. A written summary afterward, usually two or three pages, that you can hand to any lender, not just me. This is document review and education. It is not a loan application, it is not a preapproval, and it does not commit you to anything. Plenty of people take the summary somewhere else and that is fine. Evenings and Saturdays available. I will travel up to about 40km from the city, which covers most of the metro.