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Matt’s Blog

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What should you bring to your mortgage closing

What Should You Bring to Your Mortgage Closing

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettJuly 13, 2015

Hi I’m Matt Padgett with Keystone Mortgage in Knoxville, TN.  The question, “What should you bring to your mortgage closing?” gets asked often. So today is your day of closing, what should you expect? You should expect to bring a cashier’s check to the closing if you have to bring money.  It can also be…

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Resubmission of your Loan File to Underwriting

Resubmission of your Loan File to Underwriting

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettJune 22, 2015

Matt Padgett of Keystone Mortgage in Knoxville, TN often gets asked about the process of resubmission of your loan file to underwriting. In this video he shares some key nuggets of information. So you’ve given us all of the additional information the underwriter has asked for. We’ve got your appraisal back. Now we going to…

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What additional items would an underwriter want to see?

Additional Items an Underwriter Wants to See

Keystone Mortgage Blog, Matt's Blog, UncategorizedBy Matt PadgettJune 8, 2015

Matt Padgett with Keystone Mortgage answers the question, “What additional items would an underwriter want to see?” The underwriter may have additional items after you have been through underwriting, what kind of items should you expect that the underwriter will have questions on? Some of those items may be: updated bank statements updated pay stubs verified…

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Loan Package

You’ve signed your loan package, now what?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettJune 1, 2015

Hi! I’m Matt Padgett from Keystone Mortgage here. So you’ve signed your loan package. You’ve given us all the documentation we need. Now what? What we’re gonna do is we’re gonna take all that information. We’re gonna stack it together. We’re gonna give it to our underwriter. Our underwriter is going to review this file. We…

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Getting A VA Home Loan - Keystone Mortgage, Knoxville TN

Getting A VA Home Loan

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMay 18, 2015

Matt Padgett here with Keystone Mortgage in Knoxville, TN. There are a lot of questions out there on getting a VA home loan. As Many of you know we’re the local VA homes for heroes lender. We’re seeing a lot of VA loans recently. For all of you VA borrowers out there, please have your…

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Faster Loan Process

Want a Faster Loan Process?

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMay 11, 2015

Hi, this is Matt of Keystone Mortgage. Interested in how to get a faster loan process? I want to give you two quick tips on the fastest way to get your file through underwriting. 1. Number one is to give us all the information upfront that we ask for. 2. When underwriting comes back with…

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Condominium Financing

Condominium Financing

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettMay 5, 2015

If you’re looking to potentially buy a condo/condominium, you’ll want to give us a call so that we can talk through the details of condominium financing for the different loan types. If you’re getting a government loan VA, FHA, USDA, you will definitely have to have the condo approved through agencies. We can tell you…

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Student Loan Debt

Student Loan Debt

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettApril 20, 2015

Do you have Student Loan Debt? Are you trying to get a conventional loan for your new house? I’m Matt Padgett with Keystone Mortgage. For all of you out there who have student loan debt. It is very important if it’s not showing up on your credit report. If it’s deferred and not showing a…

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Earnest Money

Earnest Money

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettApril 13, 2015

What is Earnest Money? Hi, Matt Padgett with Keystone Mortgage here. Today, I want to talk about earnest money. Earnest money is good faith money you give when you’re making an offer or purchase contract. Earnest money should always be written out of your primary checking account so there is a good paper trail for…

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Sign a Contract

Ready to Sign a Contract on a House

Keystone Mortgage Blog, Matt's BlogBy Matt PadgettApril 6, 2015

Are you getting ready to sign a contract on a house and have a lot of questions? Hi, this is Matt from Keystone Mortgage. We’re getting a lot of people calling here saying “Hey we’re looking at homes, we’re about to put contracts on homes” and they have a lot of questions and a lot…

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