Run the numbers before we talk.
Three calculators I actually use with clients. No email required, no sales pitch at the end.
Calculators
Mortgage payment
See principal, interest, taxes, insurance, PMI and HOA in one honest monthly number.
About 1 minute
Open calculator
Affordability
Work backwards from income and debts to a home price that fits your comfort level.
About 2 minutes
Open calculator
Refinance break-even
Find out how many months until a refinance pays for itself, and whether you will still be there.
About 1 minute
Open calculator
About 24 hourstypical pre-approval once documents are in
What to gather before we talk.
You do not need all of this for the first call. Having it ready is how pre-approvals happen in a day instead of a week.
- Last 30 days of pay stubsOr a signed offer letter if you are relocating
- Two years of W-2s or 1099sSelf-employed? Add two years of returns
- Two months of bank statementsEvery page, even the blank ones
- Retirement and brokerage statementsHelps with reserves on larger loans
- Photo ID for each borrowerDriver license or passport
- Gift letter, if family is helpingI send you a ready-to-sign template
- DD-214 or statement of serviceFor VA loans only
- Current mortgage statementFor refinances and move-up buyers
- Divorce decree or child support orderOnly if it applies to you
- Explanation of recent credit inquiriesA sentence or two is plenty
A note from Marcus
Want a real number, not an estimate?
No credit pull, no pressure. Bring your questions and leave with a clear plan and real numbers.