236 LEE ROAD 2041 PHENIX CITY, AL 36870

Property Site: http://tour.remax-georgia.com/home/K7GL3J/236-LEE-ROAD-2041-PHENIX-CITY-AL-157338

WELL MAINTAINED,MOVE-IN READY! 3 BEDROOMS,2 FULL BATHS,WOOD/TILE IN FAMILY ROOM,HALLWAY & MASTER BEDROOM,BEAUTIFUL TILE IN KITCHEN,ROOF IS 2 YEARS OLD ,HVAC-CONDENSER 3 YEARS OLD,AIR HANDLER MOTOR 3 YEARS OLD,FENCED YARD,FAMILY ROOM HAS A WOOD BURNING FIREPLACE. SELLER ARE PROVIDING A 1 YEAR "AMERICA'S PREFERRED HOME WARRANTY" @ $499 & CHOOSE YOUR CONTRACTOR! SMITH STATION SCHOOLS.APPROX 15-18 MINUTES TO COLUMBUS & 20-25 MINUTES TO FT BENNING.

Bedrooms: 3

Bathrooms: 2

Square feet: 1,390

Price: $128,900

For more information about this property, please contact AMR-Executive Group LLC at 762-822-6411 or tommey.paul@gmail.com. You can also text 4106144 to 67299.

MLS ID: 157338

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3163 APACHE DRIVE COLUMBUS, GA 31909-5106

Property Site: http://tour.remax-georgia.com/home/ASKB7X/3163-APACHE-DRIVE-COLUMBUS-GA-147643

$1100-IN NE-COLUMBUS,GA.FT BENNING, PHENIX CITY,AL.WELL MAINTAINED-3 BEDROOMS & 2 BATHROOMS,FLAT,ZOSIA GRASS,FENCED YARD,SCREENED BACK PORCH.NO PETS ALLOWED. AVAILABLE-11/15/2016.

Bedrooms: 3

Bathrooms: 2

Square feet: 1,788

Price: $1,000

For more information about this property, please contact Paul Tommey at 706-507-1899 or paul.tommey@remax.net. You can also text 4060644 to 67299.

MLS ID: 147643

258 NORTHLAKE CATAULA, GA 31804

Property Site: http://tour.remax-georgia.com/home/7R77QY/258-NORTHLAKE-CATAULA-GA-156628

WELL MAINTAINED,BRICK-SINGLE STORY,SIDE LOAD GARAGE,1.29 ACRES,HICKORY CABINETS,9 FT CEILINGS,DOUBLE OVENS,DECORATED BACK SPLASH & COUNTER TOPS,CROWN MOLDING,SPLIT FLOOR PLAN,MASTER BEDROOM HAS FIREPLACE & ACCESS TO LARGE COVERED DECK.OWNERS HAVE ADDED A WATER SOFTNER & REVERSE OSMOSIS UNIT IN KITCHEN.APPROX 5-8 MINUTES TO I-185 & 20-25 MNUTES TO FT BENNING FRONT GATE

Bedrooms: 4

Bathrooms: 3

Square feet: 2,513

Price: $259,900

For more information about this property, please contact Paul Tommey at 706-507-1899 or paul.tommey@remax.net. You can also text 4033906 to 67299.

MLS ID: 156628

Home Mortgage Loans Checklist

PREPARING FOR LOAN APPLICATION: RECOMMNEDED MORTGAGE LENDER CHECKLIST

I am a licensed Realtor and military relocation specialist in Georgia and Alabama currently living in Columbus, GA and I can help you design, build, buy or sell new homes in Phenix City, AL, Ft. Mitchell, AL, Harris County, AL and Columbus, GA.

The topic of this blog is concerning items needed for your mortgage local application. When lenders get all this data at beginning of this process, they can expeditiously process you loan application.

Please read carefully to fully understand. Effective immediately the days of filling out the HUD-1 settlement form and getting a Good Faith Estimate (GFE) from the real estate expenses are winding down.

On August 1, those two forms will be gone forever. Additionally, “The Truth in Lending Act (TILA) disclosure form is going away, as well. Instead are two new forms: they are called, “Closing Disclosure and the Loan Estimate”. As a means of consumer awareness / education, you can familiarize yourself with these new forms on the website of the Consumer Financial Protection Bureau (CFPB). This new entity has taken over administration of the Real Estate Settlement Procedures Act (RESPA) from HUD. I recommend that you visit this website CFPB.gov and type in the name of the forms in the search box to review and fully understand the new impact of new procedures.

These documents are generally required by most mortgage lenders in Columbus GA, Phenix City Al and Fort Mitchell AL:

• W-2 an/or several pay periods / pay stubs for each individual making loan application

• All credit card information balances and credit limits. Please note most mortgage lenders see a “red-flag” if you are over 1/3 of your allowable credit limit.

• You will need 2-4 months of (banking-checking, savings and credit union accounts).

• Supporting documents for any student loans or other installment loans, (i.e. cars, furniture, boats, and motorcycles).

• Past address for last 5-7 years

• Copies of other assets,(brokerage accounts-stocks,401K,Roth-IRA,other homes for sale..

• Copies of any other additional income, (child support, alimony, rental property, trust, or pension).

• Last 2 most recent years of income tax returns

In closing, purchasing your homes in Phenix City AL or Columbus GA will be a great deal less stressful by being prepared from the beginning of this process. Call Paul Tommey to help you buy, sell, design/build, or hire me to be your property manager for a single property or your entire portfolio. Or contact me @ 762-822-6411-cell or our RE/MAX-Executive Group office @ 706-507-1899 Or stop by our new office in North Columbus @ 3725 Weems Road, Columbus, GA.31909.