123 Loan, Contract to Closing Checklist

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	Loan Tool Kit^sm
	Information, Glossary, Calculators and More

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	Answers to Frequently Asked Questions

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	Mortgage Calculators

►	Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
►	Mortgage Qualifier	Can you buy your dream home? Find out just how much you can afford!
►	Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
►	Bi-weekly Payment Calculator	Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
►	Reverse Mortgage Calculator	This calculator is specifically designed to show you how the outstanding balance of a reverse mortgage can rapidly grow over a period of time.


	Loan Information Center

Working through the mortgage process does not have to be stressful. Simply follow this checklist to guide you in your preparations. Use it in combination with the background information on this site and the guidance your loan officer provides, and you should feel knowledgeable and comfortable.

► Types of Loans

► Steps of the Loan Process

► Types of Lenders

► Avoiding Predatory Lenders

► Getting the Right Loan

► The Home Loan Purchase Contract

► Things to Consider Before Closing a Loan

► Getting a Pre-Approval

► Pre-Qualifying Your Loan Request

► The Refinance Process

► Steps of the Loan Process

► The Home Purchase Process

► Tax Deductibility


	Glossary of Mortgage Terms

You have just closed your house purchase-now what? Of course, there is the packing, unpacking and decorating. This checklist will help you stay on track.

► Glossary of Mortgage Terms


	Understanding Credit and Equity

You have just closed your house purchase-now what? Of course, there is the packing, unpacking and decorating. This checklist will help you stay on track.

► Understanding Credit Scores

► Understanding Equity


	Loan Documentation Checklists

Click on the appropriate employment option below to see a general checklist of required documents and information to be provided as part of your loan application request. Be aware that the documents needed may vary with your type of employment. Additional documents other than those specified below may be required to support your loan application

► Salaried Employee Documents

► Self Employed Documents

► From Contract to Closing Checklist

You have just closed your house purchase-now what? Of course, there is the packing, unpacking and decorating. This checklist will help you stay on track.

► Post Closing Checklist

Home Buyer and Seller Checklists

A thorough house-hunt may last several months, and you will probably visit many different homes. Print out this checklist before you visit a home and take notes. It will help you compile a short-list of the places that really interest you.

► House Hunting Checklist

Use this checklist to show your home in it is best light.

► Getting Your Home Ready to Sell Checklist

Use this checklist to itemize what you will include when you sell your house. You can print a few copies to give prospective buyers once your home is on the market.

► Included in the Sale Checklist

With a reputable and experienced contractor or tradesperson you should be reasonably certain to have contracted work done properly and within the agreed upon time frame. Use this Contractor Checklist to keep track of the information you collect about potential contractors and tradespeople.

► Contractor Checklist

Finding a Home

Are you ready to buy a home? Have you decided to work with a real estate agent? If so, you will want to select an agent with the knowledge and skill to find you the home of your dreams -- and someone you feel comfortable working with, too.

► Selecting a Real Estate Agent

► Real Estate Search - Coming Soon!


	Frequently Asked Questions

Home financing is one of the most important decisions a person makes and understandably, there are usually a lot of questions. At 123 Loan, we have tried to compile answers to many of the most common questions we get.

► Frequently Asked Questions

Call 1-888-215-0080 today to speak with an Expert Mortgage Consultant or get started online with Rapid Request^sm.

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Disclaimer: The information presented in the Loan Tool Kit is compiled and provided solely for the education of the reader in the context of residential/home lending. While efforts have been made to keep the information accurate and up-to-date, some the answers may lack technical specificity in order to provide a more general explanation of a concept. It is not the intent of this web page to supplant or replace a reader's need or requirement to conduct his or her own due diligence and/or research into the process of purchasing a home and obtaining the home loan financing. Loan specific information may vary from state to state or even county to county. Under no circumstances shall 123 Loan be held liable for any actions taken or omissions made from reliance on any information in the Loan Tool Kit.