Denise Skinner FL Mortgage Team
Loan Guidelines
What to do, and what not to do, to make your loan process go as smoothly and quickly as possible.
WHAT NOT TO DO
Without talking to your Loan Originator first DO NOT:
- Change or quit your job
- Apply for New Credit or Loans of any kind
- Pay off debts, collections or charge-offs (unless advised to do so by your Loan Originator)
- Move
- Co-sign or become a co-borrower on any other loan
- Make major changes to your asset structure
- Make any cash deposits into your bank accounts
WHAT TO DO
- Provide all requested financial documentation within 24 hrs
- Disclose all of your income that you would like considered for qualifying purposes
- Disclose all of your debts (i.e. side business, alimony, child support, additional real estate owned etc.)
- Be upfront about your credit (good, bad or otherwise)
- Pay all of your bills on time (mortgage, rent, car payments, credit cards, etc.)
- Continue to use your credit card as you normally would, but not excessively
- Make your spouse available to sign at closing if purchasing a primary residence
- Keep in communication with your Loan Originator or Loan Partner
Meet Denise
Contact Information
Email Address: denises@grovescapital.com
Office Number: 321.471.2133
Cell Number: 561.267.7668
NMLS#1985529
Experience
I have been in the real estate-mortgage industry for the past 30 years, first as an investor, then as a licensed real estate agent to ultimately a broker. Additionally, I am dually licensed as a mortgage loan officer. The wealth experience I have accumulated over these years are in many different facets of the industry.
I specialize in residential and investors properties along with FHA and conventional loans, down payment assistance grants - Florida’s Hometown HEROS program ,as well as serving our armed forces with VA loans and all refinances.
Some of my best accomplishments are awards in sales, etc. I am happy to provide quality customer service, honest and open communication during the process.
Let's find your dream home today!
