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Helping you find helpful lenders

The Walden Novak Team understands that you’re excited to move on to a new chapter of your life, but the process of selling a home has several steps that you’ll need to go through before a contract has been written up and signed by your home’s new owner. A big part of the process involves discussing your finances with both our agency and a lender. Walden Novak will work closely with you to ensure proper preparation and follow-through of your mortgage application, while the lender will help you complete the process.

Meet Matthew and Andrew!

If you haven’t noticed by now, the Walden Novak team is absolutely focused on making your real estate journey a simple and enjoyable one. We know finding the right lender – one who is transparent and committed to your best interests – is tough. Fortunately, we can recommend someone we think is great!

If you’re in need of residential home financing look no further than the Collett and Scripter Team.

Matt and Andrew combine 30 years of lending experience with a passion for helping others. Thousands of successful mortgage transactions have honed an attention to details like no other can provide.

In today’s mortgage business “close enough” isn’t good enough. Today’s mortgage process is complex and unforgiving. That’s why you need the very best. Just apply online and let matt and Andrew guide you to success. APPLY HERE

Your mortgage partner needs to be hyper-detail oriented, hard-working, knowledgeable, and passionate, without ever losing sight of the human being involved with every step of the process.

No one works harder, with more integrity and enthusiasm then these guys.

When you’re buying a home the customer has enough to worry about. The borrower needs to know they have a lender that is always taking initiative, acting in their clients’ best interest, and is ALWAYS one step ahead.

Andrew and Matt have extensive experience with:

· Maximizing purchasing power
· Conventional and FHA mortgages
· 3% Down Payment
· CHAFA (Low income – Low down payment financing)
· Down Payment Assistance options
· First Time Homebuyer Programs
· Subsidized mortgage insurance options
· 1st mortgage and Piggy Back loan options
· Credit Improvement
· Purchase and Renovate with one loan

Take a moment to read what others have recently posted about their Experience with Andrew Scripter and Matthew Collett here.

Matthew Collett, Senior Loan Officer

NMLS ID #403733

303-518-1398

matthew.collett@fairwaymc.com

www.collettandscripter.com

Fairway Independent Mortgage Coroporation

Scripter5

Andrew Scripter, Senior Loan Officer
NMLS ID #404639

303-875-0542
andrew.scripter@fairwaymc.com

www.collettandscripter.com

Fairway Independent Mortgage Coroporation

employment

credit
report

debts

Let’s Talk… Employment

Employment is an important part of the lending process. Your lender will want to know that you are gainfully employed to show that you’re responsible and financially stable, and that you’re likely to stay that way. You’ll cover everything from your current job situation to your potential employment opportunities in the future.

Let’s Talk… Credit Report

It’s probably obvious that the cleaner your credit report is, the better your lending terms will be. Before you speak to a lender, the Walden Novak Team can provide you with tips on how to fix any negative marks on your report and how to make other such improvements prior to the application process, both of which the lender will expand on.

Let’s Talk… Debts

You’ll need to divulge all of your debts during this process, down to the very last penny that you owe to any creditors. They will look for anything negative, such as maxed-out credit cards and major purchases that have been made recently. Our agents can discuss all these things with you before handing you over to the lender.

employment

Let’s Talk… Employment

Employment is an important part of the lending process. Your lender will want to know that you are gainfully employed to show that you’re responsible and financially stable, and that you’re likely to stay that way. You’ll cover everything from your current job situation to your potential employment opportunities in the future.

credit
report

Let’s Talk… Credit Report

It’s probably obvious that the cleaner your credit report is, the better your lending terms will be. Before you speak to a lender, the Walden Novak Team can provide you with tips on how to fix any negative marks on your report and how to make other such improvements prior to the application process, both of which the lender will expand on.

debts

Let’s Talk… Debts

You’ll need to divulge all of your debts during this process, down to the very last penny that you owe to any creditors. They will look for anything negative, such as maxed-out credit cards and major purchases that have been made recently. Our agents can discuss all these things with you before handing you over to the lender.

savings
and assets

down
payment

property

Let’s Talk… Savings and Assets

Though it might be obvious, our agents can explain in detail the importance of savings and assets to the mortgage application. The lender will speak with you concerning money in the bank, stocks, bonds, retirement funds, 401k accounts, etc. This will provide them with a well-rounded view of your ability to repay the mortgage loan.

Let’s Talk… Down Payment

Before handing you over to a lender, the Walden Novak Team will discuss how much you can reasonably afford as a down payment. We know that finances may be tight, which is why we will determine whether or not you qualify for our Down Payment Assistance Program. Once that has been decided, you can move on with the process.

Let’s Talk… Property

In addition to knowing what type of residence the property is, the lender will also want to know what your purpose is for purchasing the home. Whether you intend for it to be a primary residence or investment opportunity will be a factor in the application process. Our realtors will go over all this beforehand, so this part will be a breeze.

savings
and assets

Let’s Talk… Savings and Assets

Though it might be obvious, our agents can explain in detail the importance of savings and assets to the mortgage application. The lender will speak with you concerning money in the bank, stocks, bonds, retirement funds, 401k accounts, etc. This will provide them with a well-rounded view of your ability to repay the mortgage loan.

down
payment

Let’s Talk… Down Payment

Before handing you over to a lender, the Walden Novak Team will discuss how much you can reasonably afford as a down payment. We know that finances may be tight, which is why we will determine whether or not you qualify for our Down Payment Assistance Program. Once that has been decided, you can move on with the process.

property

Let’s Talk… Property

In addition to knowing what type of residence the property is, the lender will also want to know what your purpose is for purchasing the home. Whether you intend for it to be a primary residence or investment opportunity will be a factor in the application process. Our realtors will go over all this beforehand, so this part will be a breeze.

By your side at every step.

We’re pleased to help you with every step of your journey. Lending is a critical piece of the puzzle, but we know you’ll likely run into other questions or points of confusion. Be sure to reach out to us so we can help you chart a path through the real estate maze!