
Brian Houk
Loan Officer
NMLS ID 1500967About Brian
I was born and raised here in Des Moines and have been in the mortgage industry for 5+ years now. I love to watch and play sports and am a die-hard Iowa Hawkeye and Chicago Cubs fan. I love to help people find the right loan for their specific situation and hope that I can help you as well. Contact me today with ANY questions you have!
For benefits specific to you, reach out to your loan officer today! Avoid some of the most common pitfalls of the mortgage process. Here are a few tips to ensure a speedy process and smooth closing. DO DON’T Ready to get started? Below is a list of documentation we’ll need to get started processing your loan.
-Two most recent and complete tax returns *Self employed borrowers may need to provide additional documentation
ARM: Adjustable-Rate MortgageHomeowner Benefits
Dos & Don'ts of Home Buying
Mortgage Application Checklist
-Two most recent W2s*
-Two most recent pay stubs
-Two most recent and complete bank statements
-A copy of your photo ID
Mortgage Acronyms
CD: Closing Disclosure
CLTV: Combined Loan-to-Value
DTI: Debt-to-Income
DU: Desktop Underwriter
EMD: Ernest Money Deposit
HELOC: Home Equity Line of Credit
LE: Loan Estimate
LTV: Loan-to-Value
MIP: Mortgage Insurance Premium
PMI: Private Mortgage Insurance