Who is Unified Lending & Investments?

• Full-time residential real estate finance professionals
• Experts at working through the mortgage lending process to save you time
• Your representatives to many lenders
• Providers of loans that comply with industry standards and requirements
• Specialists with competitive up-to-date loan rates
• Affordable consultants who will save you time and money

Why use Unified Lending & Investments?

• Our position in the mortgage industry gives us a competitive edge allowing us to provide you with a loan that costs less.
• Our focus is to help you achieve the "American Dream" through proper financing of your home purchase or refinance.
• We have a vested interest in satisfying your needs.
• We will select the best lender from our many sources to provide you with a loan that meets your individual needs.
• We have extensive knowledge of the many loan programs available and will take the time to fit your needs to the best loan.
• There is a loan for everyone and we know how to find it.
• Because interest rates change daily, we can obtain a lock-in rate to insure that the rate being offered is available to you at closing.
• We are motivated to keep the processing time to a minimum to satisfy you with timely performances.

As your personal Mortgage Consultant, we are happy to work for you to find the best loan for you home.

What Should You Bring To Your First Appointment?

To assist your Mortgage Consultant in the loan processing, it will help if you bring the following items to your first appointment:

• Your tax returns and W-2's for the past two years
• A list of your current assets and liabilities
• Any information you have on the home, land, or lot improvements

If you are purchasing or building a home, you will need to bring in:

• A copy of the purchase agreement for the home and the land. Please be sure to include a bid from the builder
• A copy of the canceled earnest money check or receipt along with details on the source of the earnest money and down payment
• Appraisal and credit report fees ($350.00)
• Driver's license and Social Security card
• Pay stubs (originals, last 30 days)
• The most recent three months' bank statements
• Residence history for the last two years, including the name and address of your landlord, mortgage company, or bank.
• Information on any other real estate owned
• Copy of your divorce decree