{"id":216,"date":"2025-04-11T13:49:22","date_gmt":"2025-04-11T13:49:22","guid":{"rendered":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/?page_id=216"},"modified":"2025-04-12T12:28:26","modified_gmt":"2025-04-12T12:28:26","slug":"document-checklist","status":"publish","type":"page","link":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/document-checklist\/","title":{"rendered":"Document Checklist"},"content":{"rendered":"\n

\n\t\tList of Documents\n\t<\/h1>\n\t
To ensure all financial facets are accurate, lenders and banks require a paper trail for income, assets, employment, and any credit discrepancies.<\/p>\n\t\t\t\n\t\t\t\t\t\t\tPrintable List\n\t\t\t<\/a>\n

\n\t\tADDITIONAL DISCLOSURES\n\t<\/h1>\n\tThere are two main types of credit inquiries<\/strong>:\n\n
\nSoft Inquiry<\/strong>\n
\n
\nDoesn\u2019t affect your credit score.\n<\/li>\n
\nExamples: You checking your own score, pre-approvals, background checks.\n<\/li>\n<\/ul>\n<\/li>\n
\nHard Inquiry<\/strong> (this is what happens with a mortgage application)\n
\n
\nDoes<\/strong> impact your credit score-slightly<\/strong>.\n<\/li>\n
\nHappens when a lender pulls your report to decide whether to lend you money.\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\t
Tells you whether your lender intends to service your loan<\/strong> or transfer it to another company.<\/p>\n\t
\n
\nWhen you get it:<\/strong> Within 3 business days after applying for a mortgage.\n<\/li>\n
\nWhat\u2019s inside:<\/strong>\n
\n
\nLoan terms (interest rate, monthly payment, loan amount)\n<\/li>\n
\nEstimated closing costs\n<\/li>\n
\nEstimated taxes and insurance\n<\/li>\n
\nPrepayment penalties or balloon payments (if any)\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\nIt\u2019s meant to help you compare loan offers<\/strong> from different lenders.\n\t
Vivamus magna justo, lacinia eget consectetur sed, convallis at tell. Praesent sapien massa, convallis lorem ipsum.<\/p>\n\t
\n
\nWhen you get it:<\/strong> At least 3 business days before closing.\n<\/li>\n
\nWhat\u2019s inside:<\/strong>\n
\n
\nFinal loan terms\n<\/li>\n
\nExact closing costs and cash to close\n<\/li>\n
\nDetailed breakdown of fees (lender fees, escrow, title insurance, etc.)\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\u27a1\ufe0f Review this carefully-it\u2019s your final version of the Loan Estimate.\n\t
Vivamus magna justo, lacinia eget consectetur sed, convallis at tell. Praesent sapien massa, convallis lorem ipsum.<\/p>\n
\n\t\tWhat people say about it\n\t<\/h2>\n\t
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Vivamus magna
<\/strong>Lacinia eget<\/p>\n\t
Vivamus magna justo, lacinia eget consectetur sed, convallis at tellus. Praesent sapien massa, convallis a pellentesque nec, egestas non nisi. Curabitur aliquet quam id dui posuere blandit Cras ultricies ligula sed magna dictum porta.<\/p>\n\t\t\t\t $\"\"$ \n\t
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List of Documents To ensure all financial facets are accurate, lenders and banks require a paper trail for income, assets, employment, and any credit discrepancies. Printable List ADDITIONAL DISCLOSURES There are two main types of credit inquiries: Soft Inquiry Doesn\u2019t affect your credit score. Examples: You checking your own score, pre-approvals, background checks. Hard Inquiry…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"nf_dc_page":"","footnotes":""},"class_list":["post-216","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/pages\/216","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/comments?post=216"}],"version-history":[{"count":11,"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/pages\/216\/revisions"}],"predecessor-version":[{"id":251,"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/pages\/216\/revisions\/251"}],"wp:attachment":[{"href":"https:\/\/wyb.eko.temporary.site\/website_27e45d1b\/wp-json\/wp\/v2\/media?parent=216"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

\n\t\tList of Documents\n\t<\/h1>\n\tTo ensure all financial facets are accurate, lenders and banks require a paper trail for income, assets, employment, and any credit discrepancies.<\/p>\n\t\t\t\n\t\t\t\t\t\t\tPrintable List\n\t\t\t<\/a>\n

\n\t\tADDITIONAL DISCLOSURES\n\t<\/h1>\n\tThere are two main types of credit inquiries<\/strong>:\n\n\nSoft Inquiry<\/strong>\n\n\nDoesn\u2019t affect your credit score.\n<\/li>\n\nExamples: You checking your own score, pre-approvals, background checks.\n<\/li>\n<\/ul>\n<\/li>\n

\n\t\tList of Documents\n\t<\/h1>\n\t
To ensure all financial facets are accurate, lenders and banks require a paper trail for income, assets, employment, and any credit discrepancies.<\/p>\n\t\t\t\n\t\t\t\t\t\t\tPrintable List\n\t\t\t<\/a>\n