ballpark info on rates

Bank statements to verify income? VA requires paystubs and W-2's if you are employed, tax returns if you are self-employed. As far as credit scores the average doesn't matter. Two of the 3 scores for each of you need to be over 620, ideally 640 since some lenders have established that as their minimum instead of 620.

Good afternoon Folks, My name is Gianni Cerretani, an affiliate lender with Homes for Heroes and a Senior Mortgage Banker here at First Community Mortgage in Atlanta Georgia! First I wanted to take a minute to introduce myself and my bank! I have over 10 years in the real estate and banking industry! My bank has been in business since 1988 and is head quartered out of Murfreesboro Tennessee! We are also an avid member of the community and sponsor many charitable events such as Homes for Heroes, Toys for Tots, Habitat for Humanity and The Special Olympics! My goal is to provide you with the best customer service possible along with providing you with top notch financial advice, in order for you to achieve your financial goals! First Community also offers a special program that you would qualify for called Homes for Heroes. This program is dedicated to anyone related to police, fire, first responders, health professionals, educators and active or retired military. The program is both for purchases of new homes and or refinances of existing mortgages. The purchase and refinance aspect allows us to discount our origination fee by 50% and our affiliate realtor will also deduct 25% of their gross commission towards closing costs on a purchase transaction. That is up to 75% off your closing costs to buy or refinance a home! The other part of this program is access to our Friends for Heroes which is growing at a nominal rate. Our Friends for Heroes are title attorneys, home inspectors, plumbers, landscapers, massage therapists, restaurants etc... that offer a discount on their products or services to our Heroes. This is like being a part of special discount program. We are currently in the process of creating a membership card to hand out to each Hero just like Costco, so the membership has a real tangible feel! The Heroes will be updated every time a new Friend joins our team so they can take full advantage of the discounts available to them. Our goal is to make it so our Heroes never have to pay full price for anything ever again! Please see the link below as this will give you more information on how the Homes for Heroes program started and what direction it is headed in!http://www.homesforheroes.com -corporate website The best part about doing business with First Community Mortgage is that we control the whole loan process in our office from start to finish! This allows us to close our loans within 7-10 business days which will alleviate a lot of stress. We do lend our own money and that gives us the flexibility to be more liberal with our loan guidelines as well as offer the most aggressive interest rates in the industry. I am available 7 days a week from 7:30am to 8:30pm. If I do not the answer the phone that means I am either with my family or asleep! I hope this e-mail was informative and I look forward to earning your business! Also with veteran loans we waive all the processing and underwriting fees! Have a great day!Sincerely, Gianni Cerretani SENIOR MORTGAGE BANKER"Old fashioned business done with modern day thinking"Main Line: 678-381-2272 xt. 229 Direct: 678-381-2264 Cell: 404-213-9663 Fax: 888-275-1833gianni.cerretani@fcmhomeloans.com www.homesforheroes.comwww.fcmhomeloans.com First Community Mortgage Inc., a Division of First Community Bank"Putting the Needs of the Community FIRST" 1455 Lincoln ParkwaySuite 260 Atlanta, GA 30346 PROUD SPONSOR OF THE SPECIAL OLYMPICS GEORGIA LAW ENFORCEMENT TORCH RUN