Checklists
Work through the process one step at a time.
Print these or keep them open on your phone. A downloadable PDF version can be added once Jim approves the final wording.
Homebuyer Checklist
- Have a conversation about your goals and timeline
- Review your credit report for errors
- Gather income and asset documentation
- Get a written preapproval
- Set a comfortable monthly payment target, not just a maximum
- Confirm HOA dues and property taxes for any property you like
- Understand your total cash needed to close
Document Checklist
- Photo identification
- Most recent pay stubs
- W-2s or 1099s for the years requested
- Complete bank statements, all pages
- Tax returns if self-employed
- Current mortgage statement and insurance declaration for a refinance
- Purchase contract for a purchase
Closing-Week Checklist
- Do not open new credit or make large purchases
- Confirm wiring instructions verbally with escrow — never by email alone
- Review the Closing Disclosure line by line
- Schedule your final walkthrough
- Confirm homeowners insurance is effective on the closing date
- Bring valid identification to signing
- Set up utilities to transfer
Never email or upload Social Security numbers, full account numbers or tax documents outside the secure application platform.
Start With a Conversation, Not an Application.
Tell Jim what you are trying to accomplish. He will help you understand the numbers, compare your options and determine the right next step.