Caritas securities & Finance Trust Mortgage
6 Things You Need To Know About Our Mortgage
1. You can qualify for our mortgage loan before you find a home.
2. DOWN PAYMENT: Yes, you can borrow funds to use as your down payment!
3. CREDIT SCORE: A credit score is one of the pieces of information that we'll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.
4. FEES: There is no charge to have your credit report accessed by us.
5. I AM SELF EMPLOYED, DO I QUALIFY: Yes, we verify you by your tax returns for the last two years.
6. I AM RETIRED: We will ask for copies of your recent pension check stubs, or bank statement if your pension or retirement income is deposited directly in your bank account. Sometimes it will also be necessary to verify that this income will continue for at least three years since some pension or retirement plans do not provide income for life.
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