In order to pre-qualify for a mortgage loan, you will need to provide your financial information so we can analyze what mortgage amount and mortgage program you would qualify for. The information consists of your current and previous income/employment history for the past 2+ years, your assets including but not limited to checking, savings, investment accounts, retirement accounts, etc. If you have the availability of a financial gift from a relative or person closely associated with you this might be a usable source of funds. A list of your current debt obligations, including but not limited to car loan, personal loan, student loan, credit card debt, etc. This information will be verified via a credit report which will include your credit scores.

Using the above information, we will begin to qualify you for the lender's various mortgage programs to assist you with buying a new home. Upon pre-qualifying for a mortgage program, we can provide a pre-qualifying mortgage letter which you can provide to the seller upon your property search with your real estate agent/broker. The next step would be formal mortgage application. Licensed in CT only. Michael A. Kirkutis, Mortgage Loan Originator, CT DOB NMLS #111599. MAK Mortgage Company, Inc., CT DOB NMLS #103552, MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. WWW.CTHOMEMORTGAGELOAN.COM.