Home - Cremon Mortgage Experts

GET THE GUIDANCE YOU NEED!

PROFESSIONALIZED
MORTGAGE SERVICES

GET THE GUIDANCE YOU NEED!

PROFESSIONALIZED
MORTGAGE SERVICES

Cremon Mortgage Experts Corp is led by Priscila Cremon, whose experience as a former loan processor qualifies us as a trusted partner in finding customized mortgage solutions. We deeply understand the challenges of the market and offer a detailed approach to each step of real estate financing. Beyond merely conducting transactions, we are dedicated to transforming the experience of our clients and employees, fostering a supportive and positive environment, and focusing on personalized service and excellence.

UNDERSTAND THE PROCESS (FIRST THINGS FIRST)

We are excited to guide you on the thrilling journey of purchasing your own home. Below, we outline the next steps of our service:

Pre-Qualification/
Pre-Approval:

Submit the necessary documents to Priscila Cremon.

After the document review, you will be on the verge of taking two significant steps:

🌟 If you meet the 3 requirements (credit, income, and funds), you will receive the Pre-Approval Letter! 🎉
This means you are ready to embark on the exciting search for your dream home with your real estate agent.

House Search

After receiving the Pre-Approval Letter, you can begin the search for your dream home with your real estate agent.

This stage is thrilling, and we are here to support you throughout the process.

Financing

After finding the perfect home and having your offer accepted, we move on to the financing process.

Typically, this process takes around 30 days as the bank carefully verifies your documentation.

To qualify for purchasing/financing your property (to obtain the pre-qualification letter, you need these 3 things: Credit, Income, and Funds for Down Payment and Closing Costs.

CREDIT

We are ready to start the credit check.

This is an essential step to understand the available options for you.

Income

A stable income is crucial. Regarding your income, we need the last 2 (two) years of tax returns. If you have not yet completed the most recent tax return, please send me the draft for analysis before the final completion.

This will allow us to assess your financial capacity comprehensively.

Funds for Down Payment and Closing Costs

Additionally, it is vital to have a clear understanding of the funds available for the down payment and closing costs. We will work together to ensure you are prepared for this stage.

It is important that all funds are deposited into your bank account. Large cash deposits can delay the process as the bank needs to verify the source of the funds.

We recommend prioritizing check deposits. Remember that the bank reviews the last two months of bank statements. If there are significant cash amounts to deposit, you may need to wait two months before we proceed with the pre-qualification letter.

For those with a Social Security Number (SSN):

ID: Copy of identification document (Driver’s License);
Personal Tax Returns: Last 2 years;
Business Tax Returns: Last 2 years (if you own a business);
W2s: Last 2 years (if employed);
Paystubs: Last 2 months (if employed);
Bank Statements: Last 2 months;
If you own any property: Last mortgage bill.

For those with an Individual Taxpayer Identification Number (ITIN):

ITIN letter;
Passport photo;
Driver’s License (if applicable);
Bank Statements: Last 12 months of income deposits;
Bank Statements: Last 2 months of down payment funds;
Tax Return: Last year (optional).

Once these three requirements are met, we can proceed with the pre-qualification letter, an essential step in the home buying process. Rest assured that I am here to answer any questions and guide you through each stage. We are looking forward to embarking on this exciting journey with you.

You can send the documents:

Otaining a Pre-Approval Letter: Taking the First Step Towards Homeownership
Follow the steps below to get a pre-approval letter

Step 1: Fill out Application

Click the link below to complete an application to the best of your knowledge. In the subject property address section, simply write “TBD” (to be determined).

Access your secure portal by registering here

Step 2: Upload Documents

After applying, you can upload necessary documents via your portal. Click here to view the list of required documents.

You can also email your documents to priscila@cremonmortgageexperts.com.

Step 3: Pull Your Credit

To proceed with a real pre-approval, you need to pull your credit. Choose the method that suits you best:

Hard Pull: Click here if you’re ready to buy and need a pre-approval letter;

Soft Pull: Click here if you want to check your credit and get a personalized action plan before getting pre-approved.

Step 4: Schedule a Meeting

⁠If you’d like to learn more about the process or your pre-approval letter, click the link below to schedule a meeting.

Step 5: Receive Your Pre-Approval Letter

FYI – WHAT IS PRE-APPROVAL LETTER
In the section on the Pre-Approval Letter on your website, you can briefly explain that it is a document issued by a lender after reviewing a borrower’s financial information. This letter indicates that the borrower meets the necessary criteria for a specific loan amount, based on their creditworthiness and financial situation. The Pre-Approval Letter is an important step in the home buying process as it demonstrates to sellers that you are a serious buyer who can secure financing.

🎯 If you are not quite ready yet, do not worry.
We will create a personalized plan and guide you step by step on what needs to be done to obtain the Pre-Approval Letter. After completing this process, you will be ready to start searching for your home with the real estate agent.

Upon meeting the credit, income, and asset requirements, you will receive your pre-approval letter and can start house hunting.

To make the meeting more productive, please email the following documents to priscila@cremonmortgageexperts.com.

ID;
Most recent 2 years of Tax Returns;
Click here to initiate a Credit soft pull;

Why Choose Cremon?

Proven Experience

Our expertise in the American real estate market is your greatest ally. We navigate market trends, ensuring you make the best investment, whether in residential, commercial, or investment properties.

Personalized Services

We understand that every dream is unique. That’s why we offer a diverse range of loan products, from fixed rates to adjustable options, so you can find the perfect fit for your financial plan.

Security and Trust

With years of operation and a history of success, Cremon stands out for its transparency and integrity. Our team is committed to guiding you every step of the way, ensuring each decision is informed and every transaction flawless.