Affluent Capital

Affluent Capital
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Loan Services
The Loan Process
With our experience, the process is simple
The Loan ProcessBy taking a few minutes at the beginning of the process, we can avoid the pitfalls the less experienced loan officer will stumble into. We believe in asking ALL the questions to ensure you have a pleasant, informed transaction. Our passion to create a seamless transaction nd more importantly, a satisfied client, is what has driven us to develop our procedures that are followed with every transaction.
 
We realize the time invested dealing with your home loan may be tedious.  We’ll set the expectations upfront thereby alleviating our client’s worries and trepidations.  Rest easy knowing your home loan is in our hands. Read More...
 
Required Documents
It’s really quite simple
Required DocumentsIf you are hourly or salaried you may have less information to provide than your self-employed or commission income counterparts.  While the list is not tremendous, missing an item can slow the process.  Here is what you can expect to gather at application time.
  • Last 2 years W2s.
  • Last 2 pay stubs.
  • Last 2 bank statements/liquid asset accounts including 401k and IRAs.
  • Social Security Award Letter if you are using retirement income to qualify.
  • Last 2 years Tax Returns (all pages), if you are self employed or 25% or more of your income is commission or bonus.
  • Complete addresses and phone numbers for employers for past 2 years.
  • Complete addresses for previous residences in the past 2 years.
  • Name and phone # of Homeowner's Insurance Agent.
Pre-Qualification
Each loan has different criteria.
Pre-Qualification
Our advisors can work with you to determine the amount of the loan and price of the home for which you qualify.  Let’s get started.  Click here

The Application
The basics of the application are related to your income, employment, liquid assets, and your credit history. By getting some basic information about your situation, we are able to tell you exactly what we can do for you today. The interview itself should take 15 minutes however we would be remiss if we didn’t dig deeper to understand your financial goals and principles. We work with you to take a complete application and have a thorough understanding of your objectives.
 
Affluent Capital believes clients want 2 things in a home loan transaction. First, they want their money fast. Second, they want a seamless, purpose driven process to lead to the achievement of their goals. We treat each client like they are only client.
  • Individual attention
  • Amazing results.
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Each client’s loan transaction is unique. Certainly there are similar steps gathering information, however, how we act on it shows you how we are different. There are ‘must dos’ in every application. We must always have a 2 year history of residence and employment, even if you were a student, we need to know. To verify income and liquid assets we must have the addresses and phone numbers of employers and the addresses and account numbers from each financial institution. If you are self-employed, we are going to require additional information such as the last 2 years tax returns, an unaudited P&L from your accountant and a business license, if you don’t need a license, a letter from your CPA will suffice.

Once we have your loan approved through the automated underwriting system, we work with the lender to meet all conditions required for approval. We order appraisal, work with the title company and set the timeline to close your loan on time, every time. How do we do this? Our experience has taught us there are no shortcuts to success. We understand the linear process to ensuring your happiness and satisfaction. Once you give us the opportunity to serve you, we focus on your individual needs to ensure that you become a client for life.