Start your mortgage application
Start your mortgage application
Continue to Jeremy Boillot’s online application portal. If you have questions before you begin, contact Jeremy directly.
Apply NowQuestions before you apply?
What do you need to apply for a mortgage?
You need basic personal details, proof of income, recent asset statements and information about the property. You can start the application without every document in hand, but having these ready usually makes approval faster.
About you
- A valid government-issued photo ID
- Social Security numbers for everyone on the loan
- Two years of home addresses and employer names
Income
- Pay stubs covering the most recent 30 days
- W-2s for the last two years
- Two years of personal and business tax returns if you are self-employed, paid on 1099s or earn rental income
- Award letters for Social Security, pension or disability income, if any
Assets and debts
- The two most recent monthly statements for checking, savings and investment accounts
- Details of any gift funds and who is giving them
- Information on current debts such as car loans, student loans and child support
The property
- Buying: your signed purchase contract and your real estate agent’s contact details, once you have them
- Refinancing: your latest mortgage statement and homeowners insurance declarations page
- VA loans: your Certificate of Eligibility or DD-214
Every loan is different, and the lender may ask for additional documents during underwriting. Not sure what you can afford yet? Try the affordability calculator first.
What happens after you apply?
After you apply, Jeremy reviews your file, compares lenders and keeps you updated through underwriting to closing. Timelines vary by loan type and property, but these are the usual steps.
- 1
Application review
Jeremy reviews your application, confirms the details with you and, with your authorization, reviews your credit.
- 2
Lender comparison
As an independent mortgage broker, Jeremy compares loan programs from multiple wholesale lenders and walks you through the options that fit your goals.
- 3
Loan Estimate
Once a lender has the six key pieces of information for your application, federal rules require it to send you a Loan Estimate within three business days.
- 4
Processing and underwriting
You upload your documents, the appraisal is ordered, and an underwriter verifies income, assets, credit and the property. Conditions, if any, are cleared together.
- 5
Closing
You receive your Closing Disclosure at least three business days before closing, review the final numbers, and sign.
Questions about applying online
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and program availability.