NMLS ID:1747872

 

 

 

© 2018  BEACON POINT MORTGAGE SOLUTIONS, LLC 

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Terms of Use 

LOAN PROGRAMS & RATES expressed are representative of some product offerings but are subject to CHANGE at anytime.

*Florida Second Home Specialist is not a state designation nor a Florida State endorsement.

“THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.” 

Instead this service reflects the scope of our work and commitment to make it easy for out of state residents to finance a second residence in Florida.

 

Call us! 800-466-0664

BEFORE YOU APPLY... GO DOC-LESS

Applying for a mortgage usually requires gathering documents. You can make the processing of your loan so much easier by consenting to Beacon Point ordering all loan documentation form third party sources which are needed for loan approval.

 

Whether you give us authorization to obtain your loan documentation or not, please note that the documentation required for your loan application's processing is  largely dependent upon the type of program that your loan officer at Beacon Point suggests is in your best interest.  Your loan approval depends 100% on the accuracy of this documentation. Here is a general checklist of typical documents that may be required for a successful loan approval.   

 

It is critically important that if you discover that relevant documentation is unavailable or that needed documentation is nonexistent that you immediately alert your loan office since missing documentation can lead to unnecessary delays in the processing of your application or lead to your loan application being declined.  Your loan officer can inform you of substitute documentation.

CHECKLIST ITEMS

Employment

  • Complete Income Tax Returns for past 2-years

  • W-2 & 1099 Statements for past 2-years

  • Pay-Check Stubs for past 2-months

  • Self-Employed Income Tax Returns and YTD Profit & Loss Statements for past 3-years for self-employed borrowers

1.

Savings

  • Complete bank statements for all accounts for past 3-months

  • Recent account statements for retirement, 401k, Mutual Funds, Money Market, Stocks, etc.

2.

Credit

  • Recent bills & statements indicating account numbers and minimum payments

  • Landlord's name, address, telephone number, or 12- months cancelled rent checks

  • Recent utility bills to supplement thin credit

  • Bankruptcy & Discharge Papers if applicable

  • 12-months cancelled checks written by someone you co-signed for to get a mortgage, car, or credit card, this indicates that you are not the one making the payments.

3.

Personal

  • Drivers License

  • Social Security Card

  • Any Divorce, Palimony or Alimony or Child Support papers

  • Green Card or Work Permit if applicable

  • Any homeownership papers

4.

Refinancing or Own Rental Property

  • Note & Deed from any Current Loan

  • Property Tax Bill

  • Hazard Homeowners Insurance Policy

  • A Payment Coupon for Current Mortgage

  • Rental Agreements for a Multi-Unit

  • Property

5.