
John Hendriksen
Loan Officer
NMLS ID 2226011About John
I enjoy listening to my clients about their overall needs and goals they are looking to accomplish. After listening to them I will come up with solutions to help them achieve these lifetime goals. The best way I feel to accomplish this is not to just look at you as just a loan number, but as someone that I want to build a lifetime partnership with. I will always be available and want you to ask the tough questions so you never feel anxious. The support team and I are looking to provide the most enjoyable experience during the process of your purchase or refinance of your home.
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