DOCUMENT CHECKLIST

Here is what you will need when you apply:

1. Most recent years W-2
2. Most recent pay stub
3. Most recent bank, retirement and investment statements
4. Name, company, and phone number of homeowners insurance agent.
5. Current mortgage statement (If Refinancing)
6. Last two years personal tax returns (Is Self Employed)

After you compile the above items, you can drop them by our office, or you can fax them to 417-447-9590.

THE LOAN PROCESS

After you apply, and we receive all supporting documentation, we verify your information and put your loan options together.  It is usually at this time that we have a conversation where we go over your different options based on what you are trying to accomplish, and you choose which option you prefer.  As we stated before, we advise rather than sell, so nearly every client has multiple options and this stage is where our experience and knowledge of the mortgage market, financial advising, and your individual situation come into play.  

Next we have the home appraised, order all title work, obtain final approval from the lender, and schedule a closing where we finalize the paperwork. The entire process usually takes between 10-20 days, depending on how fast we can get the paperwork from the title company, the appraiser, and you. 

Aside from providing us with the initial documentation and choosing your final loan option, there is nothing you need to do.  We handle all of the paperwork, scheduling, and other details, so you don't have to.