| First Patriot Mortgage will answer any questions you may have about
mortgages, loan programs, refinancing your current mortgage
or any other financial topics. Listed below are the most common questions asked. If you would
like to ask any other questions, simply complete the form below. We
will answer your question via e-mail, as soon as possible. If you need an
immediate answer, please call us at: 1-800-390-2993.
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How much and what kind of paperwork will I need?
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* 1 -
2 years of W 2's
* 1 month of pay stubs
* 2 months of bank
statements
* statements of retirement accounts
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How long does the process take?
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From the time we have
all the necessary paper with us, we can have a commitment from a lender
in less than a week.
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What if my credit is bad?
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Weak credit can be a
stumbling point. Having poor credit is only one more reason for calling
First Patriot. We can do a quick credit analysis for you and then let
you know how we can help and explain exactly what needs to be done to
improve your credit standing. We will work directly with you during this
process. We also have access to a variety of lenders who are willing to
make loans to borrowers with less than perfect or even poor credit if
certain other conditions are met.
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Can a refinance of my house help me consolidate my
debt?
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The equity in your house really does just sit there. If
you have a need or situation that can be solved by a lump sum of cash
then a refinance of your house with a cash out option is definitely an
option. This money comes with no tax liability and in most cases adds to
your tax deductions!
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