Welcome To PRM Thank you for choosing Pacific Residential Mortgage (PRM) as your preferred lender. We sincerely appreciate your business and are thrilled to have the opportunity to serve you.
Rodd Miller
MLO-37965
Sr. Mortgage Banker/Team Lead Pacific Residential Mortgage, LLC Phone: 503-699-5626
[email protected] www.TheRoddMillerGroup.com
As your advocate and trusted advisor, you can expect: · Exceptional customer service
The information included in this packet is designed to assist you through the loan process and ensure you have a smooth transaction. Please review the following:
• Loan Timeline • Dos and Don’ts Checklist • Meet The Rodd Miller Group
Thank you again for trusting PRM with your mortgage financing needs. We look forward to a successful closing.
We’d love the opportunity to serve your friends and family too! Client Testimonials
· Superior level of knowledge and experience
“[Rodd] is remarkably patient, empathetic, extremely personable, and a wonderful resource and partner. He made the entire process easy.” – Paul
· Your home financing goals to be achieved
“Rodd is extraordinary. [He stayed] on top of our situation and he always provided immediate feedback. [Rodd is] very knowledgeable. We plan to refer him to everyone in need of a mortgage.” – Katherine & Josh “Great customer service. This process was seamless and really easy. I would highly recommend Pacific Residential Mortgage. Everyone was very professional and flexible.” – Melanie “Your honesty and integrity continue to shine through in all your work.” – Rick & Jan “Extraordinary service from start to finish.” – Brian
Loan Timeline - 8 Steps to Success Step 1 Step 2
APPLY FOR A LOAN: We thoroughly review your financial profile which includes your assets,
income, credit and property type. We will discuss financing options and determine the loan best suited for your situation.
PRE-APPROVAL: Once we have received all supporting documentation and your application is complete, your credit file will be assessed for pre-approval.
PROPERTY REVIEW PURCHASE LOAN: After we receive a fully executed purchase
Step 3 Step 3A Step 4 Step 5 Step 6 Step 7 Step 8
and sale agreement, escrow will be opened and a title report requested. Once all inspection/ repair contingencies have been satisfied, we will order an appraisal and a homeowner’s insurance binder.
PROPERTY REVIEW REFINANCE LOAN: Next, escrow will be opened and a title report requested. Additionally, we will order an appraisal and homeowner’s insurance binder.
LOAN APPROVAL: Your property documentation, along with any other outstanding
conditions, will be sent to underwriting for final approval. Additional documentation may be requested by the lender at this time.
LOAN DOCUMENTS: Once all conditions are received and cleared by the underwriter, your loan documents will be prepared and delivered to the title company.
SIGNING: The escrow officer will receive your loan documentation/instructions from the
lender - please allow up to 48 hours for preparation. The escrow officer will contact you for a time to sign the documents.
FUNDING: The signed documents will be returned to the lender for review. Funds will be
released to the title company for disbursement once all terms have been met. Funds will be used to pay items identified on the Settlement Statement as approved by all parties in the transaction.
RECORDING: When all funds have been received and disbursed, the title company will record your new lien at the county. Congratulations!
The Dos & Don’ts Whether you’re purchasing a new home or are refinancing, here are a few important things to know:
DO
SAVE AND PROVIDE
· Most current pay stubs, last 2 year’s federal tax returns (all pages, all schedules), W-2s/1099s and other income documentation
· Current debt including: creditor’s name, monthly payment and balance · If applicable, a complete and final copy of your divorce decree · Explanations for any (current/pending) derogatory credit, judgments, or liens · Most recent asset statements including: bank, brokerage, mutual funds,
Find Us Online
www.TheRoddMillerGroup.com
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www.facebook.com/ pacificresidentialmortgage
Twitter @PacResMortgage
and retirement accounts
· Source of non-payroll deposits into your bank account · Evidence of 60 days seasoned, liquid assets for funds to close · Gift fund documentation including proof of donor’s ability to gift, gift letter, copy of gift check and proof of gift deposit
DON’T
BEFORE OR DURING THE LOAN PROCESS
· Quit or change jobs · Increase current credit balances · Open or apply for any new credit accounts · Dispute or close any items on your credit report · Forget to make your payments on time · Transfer or deposit large sums of money · Make any cosmetic or structural changes to the property · Make an offer on a home without being pre-approved by PRM Credit on approval. Terms subject to change without notice. Not a commitment to lend. Call for details.
LinkedIn
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Yelp www.yelp.com
Better Business Bureau www.bbb.com
www.nmlsconsumeraccess.org
Meet The Rodd Miller Group at PRM The Rodd Miller Group
Our role is to serve as trusted advisors by counseling every client on the best path to take from initial consultation through funding. We believe that candor and open communication is essential. We identify and address everything upfront to insure we achieve the desired outcome. The cornerstone of our team is: Knowledge, Integrity, Results. With over 30 years combined experience, our team is comprised of seasoned specialists handling every aspect of the loan process. We make sure you get the most competitive rates and terms. Meetings are face-to-face with your loan originator and we take the time to assist you in selecting the mortgage program that is best suited to your needs. And we will deliver your loan on time, every time.
Rodd Miller MLO-37965, Sr. Mortgage Banker/Team Lead
Cell: 503-757-4497 • Phone: 503-699-5626 •
[email protected] • Consults with clients to ensure the proper loan program is selected and structured to meet the client’s unique needs • Oversees team and reviews client loans in daily team meetings to make sure loans are on track and scheduled to close on time
Kathy Comolli MLO-251251, Mortgage Banker
Cell: 503-307-2921 • Phone: 503-210-4222 •
[email protected] • First point of contact for new clients • Gathers the required documentation for pre-approval • Receives loan applications and performs initial file set-up
Kim Foster, Loan Manager
Phone: 503-210-4217 •
[email protected] • Primary point of contact once a client has signed a purchase contract • Manages the loan process from contract to closing • Orders appraisals, submits files to underwriting and clears all conditions, including gathering missing documents to ensure the closing papers arrive on time at the title company’s office
Desiree Daquilante, Loan Processor
Phone: 503-905-4951•
[email protected] • Works behind the scenes to make sure we have all necessary documentation • Works closely with Loan Manager to ensure the client’s file is on track
Katelynn Christensen, Loan Partner
Phone: 503-210-4204 •
[email protected] • Schedules all appointments and phone calls to help coordinate who the client talks to throughout the process • Gathers all relevant personal data from the client via copies, courier, fax or email (client preference). If data is missing, she will contact the client • Manages client and referral partner marketing activities for the group
