To find out what you can afford for a home, to show you what loan options are available for you and to determined the best loan program for you, I highly recommend to each of my clients that they apply for a home loan. The easiest way to do so is to apply on line.

Click here to get to my page at our bank’s secure web site.

Find the tab above my picture labeled "apply now", and follow the instructions. Please select my name in the loan officer “drop-down” box so that your file is directed to me on a timely basis.

At the Pulaski Bank’s site, there are a series of simple questions to answer such as, ”what is your name?”, “where do you work?”, “what is your social security number?, etc”.  It will take you about eight to nine minutes to fill out the application.  Once you have done so and hit the submit button, your loan application is loaded into our processing system and I am notified that we have received your application.

We will run your credit report and add the credit report to our automated underwriting system.  Once I have the file into our processing system, we will let you know what items we will need for your final loan approval.

Our automated underwriting allows for greater flexibility than most other underwriting methods, and our systems are designed to give you a fast response.  We will, however, need to get the following items from you shortly, to finalize your loan approval.  These items are:

• 30 days of recent consecutive pay stubs
• W-2s for the last two years for all employers
• 2 consecutive months of bank statements and asset statements, all pages
• there may be other items required, but this is a great starting point