Welcome to The Mortgage Smith. Carol Van Luik is committed to diligently pursuing all options to find the program that best suits your needs; qualifying most clients in 24 hours and closing within 5 business days of receiving all required information.

Apply now for Mortgage Application

Apply now for Quick Mortgage Credit Check

Services

• VA
• Commercial
• Conventional
• 100% - 107% Purchases
• Home Equity
• No Income Verification
• No Income / No Asset
• Sub-Prime
• Texas Cash-Outs

Document Requirements

• Copy of sales contract on home you are purchasing.
• Copies of last 2 years of W-2 Forms
• Copies of last 2 years of income tax returns with all schedules.
• Copies of most recent 2 months statements on all checking, savings, investment, retirement and profit sharing accounts.
• Copy of divorce, separation and child support documentation, if applicable.
• Copy of bankruptcy petition, discharge and a written explanation, if applicable.

Additional Items for Self-Employed

• Last 2 years tax return.
• Year-to-date profit & loss statement and balance sheet.

Refinancing

• Copy of original survey, title policy, current note and deed of trust.
• Copy of your current homeowners insurance.