Brian Kamin, Sr Mortgage Loan Officer
4100 Monument Corner Dr Suite 100
Fairfax, VA 22030
Tel: (703) 259-0838
Cell: (703) 966-5162
Stephen Bernhardt, 
Branch Manager/Sr Loan Officer
1952 Gallows Rd, Suite 212
Vienna, VA 22182
Cell: (703) 749-2420
Tel: (703) 624-5150

sbernhardt@fairwaymc.com

Steve Cowen, Senior Loan Officer

NMLS #206679

4100 Monument Corner Dr, Ste 300

Fairfax, VA 22030

Cell | 703-928-5714

Fax | 703-890-2671

scowen@acmllc.com

www.stevecowen.com

*Affliated Lender

These lenders have proven their ability to serve our clients with honesty, efficiency and affordability time and again. You may work with whomever you wish, however, if you've not decided yet, please consider one of these.
 
*Century 21 Redwood Realty provides the names of companies whose services may aid in your transaction. Names are provided strictly as a courtesy and no recommendation is implied. If you chose to work with these vendors you shall hold Century 21 Redwood Realty and its agents, harmless and free of liability relating to such references.
 

Why should you get pre-approved, or approved even, for a loan?

Pre-qualifying for a loan makes you more appealing in the eyes of the seller. Pre-qualification approves your purchase for up to a certain mortgage amount, even before you look at your first home. Once you do start looking, you won’t waste time looking at homes you won’t be qualified for and you’ll be in a strong position to make an offer as soon as you find something you like. Another added benefit to pre-qualifying is that you will have the opportunity to have the loan officer run several financial scenarios for you to see which will be the best financing option for your needs.

 

PREQUALIFICATION IS A MUST IN TODAY'S MARKET

Taking the time to pre-qualify for a mortgage before you begin your home search puts you in a much better negotiating position: your pre-qualification assures the seller that the transaction will not be delayed while you secure financing.

 

There are financial questions your loan officer can help you answer so you will better understand the mortgage market before you buy a home.

  • What can you actually afford?

  • How can you increase your buying power (more home for your money)?

  • How much cash do you actually need?

  • Are there ways of raising additional cash?

  • How do lenders qualify buyers for a mortgage?

  • What do lenders consider long-term debts?

  • What are present interest rates?

  • What types of mortgages are available?

 

When you are ready to apply, please be prepared to provide the following to your lender:

  • Income Verification: paystubs, W2 forms, 1040s, and Child Support/Alimony

  • Assett Verification: 2-months of bank statement

  • Liabilities Verification: Student loans, credit cards, car payments, child support/alimony, other mortgages

 

For Veterans Affairs Insured Loans

  • First time use: Provide a copy of DD-214, showing honorable discharge or statement of service letter for officers currently on active duty

  • Subsequent uses: Original Certificate of Eligibility with copy of HUD-1 from sale of previous VA insured property