700 State Highway 121 Bypass, Suite 150
Lewisville, TX 75067 View Map
Organize the Home Loan Process
To help you in the process Premier Nationwide Lending has developed a checklist that you can use in managing the home loan process. If you have any questions concerning the home loan process, please contact your Premier Home Mortgage Loan Expert who is on standby ready to assist you with your home mortgage needs.
In general, the documentation you will need includes:
Property Information (if you already have a contract on a house)
Copy of legal description and MLS sheet.
If you have sold your current home, copy of settlement statement (closing disclosure).
Income & Assets
Pay stubs for the last 30 days.
For the past two years:
Names and addresses of each employer.
Complete tax returns
All pages of statements for each bank, mutual fund, and/or investment account for the last three months.
If you have made any large deposits to your accounts:
Explanation and source for deposit.
If large deposit was a gift:
Signed gift letter (lender can supply).
Copy of gift check.
Copy of deposit receipt.
If you own more than 25% of a business:
Corporate or partnership tax returns.
Tax returns for the last three years (with schedules).
Year-to-Date Profit and Loss Statement prepared by an accountant (If using this income for qualification purposes).
If you own rental property:
Tax returns for the last two years and current rental agreements.
If you are retired:
Pension Award Letter.
If you receive Social Security:
Social Security Award Letter.
If you are counting child support as income:
Copy of divorce settlement.
Copy of twelve months of cancelled child support checks or 12 months print out from the County Child support division.
Names, addresses, account numbers, balances and monthly payments on all current loans.
Explanation of credit report anomalies, including:
Late payments, credit inquiries in the last 90 days, charge-offs, collections, judgments and/or liens.
Bankruptcy filed within last seven years (bring a copy of your bankruptcy papers).
Copy of DD Form 214, Report of Separation.
Photo ID and proof of Social Security number.
Residence addresses for the past two years.
If applicable, a copy of your divorce decree.
If you are not a citizen, a copy of the front and back of your green card.
Residential Mortgage Loan Originators
Brad Lynch started as a loan officer in 2002 helping the families of Dallas and North Texas area find the right financing for their needs, whether purchase or refinance. After working during the times of subprime mortgage and seeing the industry begin to change, Brad began to consciously change the way he did business to keep up with the changes that were taking place within the industry. During the years of 2008 and 2009, Brad and his business partners converted from the traditional Broker style of business to the new “evolved broker” that is become the most popular platform of loan origination in the industry outside of local retail banks. After making a couple stops to gather experience in the new styles of mortgage origination during those years, Brad settled at Premier Nationwide Lending in 2010, and has called that home since.
My wife and I wanted to drop you a quick note to say we sincerely appreciate everything you did to get us through the refinance of our home in Frisco. We love our home and love the neighborhood we live in. We now have one of the lowest interest rates in history on a 30 year loan which saves hundreds each month, thousands each year and well over $100,000 over the course of the loan!!! Can’t thank you enough. You were able to navigate us through the labyrinth of new requirements, documentation and get us locked in before rates started going up… and they did, just like you predicted. I know you went even further by taking care of additional aspects of the refinance process (such as the rider) which saved us even more money at the closing. That is something I have not seen before; to us it means you do care we get the best service and that is something we won’t forget. You obviously be our loan officer of choice from this point forward and who we recommend to all our friends and coworkers.
Doug & Sherry F.
Thank you so much for all your help in buying my first home. You were always there to answer all my questions no matter what time it was. I know that you had my best interests at hand at all times. I am so glad Tiffany referred me to you! I will continue to recommend you to everyone! You made the process so easy compared to what I have heard from others with other lenders. You were amazing!!!!! Thank you for making my dream come true!!!
When I closed on my loan my closing agent told me that though they deal with lots of divorces, they don’t see Owelty refinancing that often. My agent said they are a great tool to divide property, but lots of mortgage brokers don’t seem to know much about them….NOT BRAD. Thanks for the great service!
My wife and I recently purchased our first home, and being new to the game, needed some “hand-holding.” Brad was extremely knowledgeable and eager to help out it any way throughout the process. I especially appreciated Brad taking time to explain elements of the mortgage process in detail so that I was confident in the decisions I was making and aware of potential hiccups before they happened. I would confidently recommend Brad to anyone looking for a trusted adviser to help navigate the mortgage process.
Words cannot describe how grateful we are to you. Being able to complete our mortgage process and close out our loan in less than 30 days was a miracle! For the first 45 days of our mortgage process with a different lender was a nightmare to say the least, both Chad and I were constantly confused and left in the dark. Once we had to restart our process with you we felt like your only clients and you took time to answer all of our questions and lead us through the process, which is very important for first time home buyers like ourselves. We will refer as many people as possible to you, you were amazing. Thank you so much for helping get our family into our first home.
Chad, Tiffany, Liam, & Lilian H.
He’s very Professional, quick response to emails, and always on top of things. I highly recommend Brad. He’s a great guy and even better mortgage broker. Most importantly 1) He is always available (he always either answered my call or returned the call within “minutes”. 2) He over-discloses everything. I mention that because I talked to many other mortgage brokers before Brad, and they all withheld important information that Brad disclosed. He got me the BEST RATE and LOWEST FEES as I demanded. I assure anyone deciding whether or not to choose Brad should do so with my guarantee that he will deliver.
I want to let everyone know that Brad is a man of his word and works his butt off for you. I was recently divorced and I got the house in the divorce. I needed to refinance the mortgage, Home equity line of credit, and an Owelty lien. I live in Houston and I was trying to get all of the above mentioned into one refinance. Everyone I met with here in houston and others like Lending Tree said they could do this no problem. However they did not understand the the Texas laws regarding Owelty Leins. So after multiple attempts that failed to go through I found Brad on an internet search. Brad was the first person that made me feel comfortable and was the most knowledgable with Owelty. He was there for me with any questions/and concerns I had. He was also honest with me in every step of the process. It was a long frustrating process to complete my refinance but in the end due to Brad’s hard work it was completed. He is definately my mortgage guy for life now!!! Thanks Brad for everything!
Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. NTFN, Inc. is licensed by the Texas Department of Savings and Mortgage Lending. NTFN, Inc. is licensed under the laws of the state of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. The department maintains a recovery fund to make the payments to certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.