Best Phoenix Mortgages: Glen Reiley Mortgage Broker, Bell Mortgage: mortgages for new home, second mortgages, refinancing mortgages, home equity loans, zero-down mortgages.

Financing your home or investment property doesn't have to be difficult or time-consuming. We Promise to get to know you and your unique situation so that we can properly guide you through the many different financing options available. This is the role of a Licensed Production Assistant —to understand your needs so completely that we can match you with exactly the best solution. Our clients aren't just names and social security numbers, they are individuals and families with real needs.

We are continually studying the ever-changing financing landscape, so that we can not only help you choose the right loan, but we can streamline the process from application through closing. We work every day to simplify—so we can spend more time with our clients, to best understand how to help them achieve their goals as quickly and easily as possible.

We have built this website to show you how we can work together with you to quickly and efficiently close your loan. It's as simple as that. When you're ready to begin, we're ready to get started. We can usually pre-qualify you over the phone—so you will know almost immediately what you can afford. If you wish, you can even enter your no-obligation loan application here on the site. If you discover you don't have some of the required information, just enter what you can now then come back later to complete the application. Everything you enter on this website is completely secure.

If you'd rather begin by calling, emailing or visiting us, you'll find everything you need right here—from how to contact us to what to bring when you meet with us to discuss your loan. So we invite you to take a few minutes visiting our site and learn how we operate. Then contact us so we can get to work for you. We look forward to getting to know you.

Sincerely,
Glen Reiley, Mortgage Consultant
Jenna Meyers, Licensed Loan Officer Assistant

Application Checklist

In order to make your loan application process go smoothly, you'll need to collect and organize a few key pieces of financial information.

Please bring the following items to the application, scan/email them to us or fax them to the Glen Reiley Team at (480) 788-4198:

• Most recent 30 days of paystubs
• Two (2) years W2's (From All Employers)
• Two (2) years personal tax returns (including all pages and schedules)
• Most recent bank statements (NOT ACCOUNT SUMARY OR TRANSACTIONS HISTORY) on all bank accounts (ALL PAGES of each month's statements, even if the page is blank)
• Most recent IRA/401k/ Mutual Fund/ Brokerage Account statements (ALL PAGES of each month's statements, even if the page is blank)
• Copy of current mortgage statements for all the homes that you own
• If your real estate taxes, homeowners insurance and/or homeowners association (HOA) dues are not part of your mortgage payments, then we will need a copy of the last real estate tax bill, homeowners insurance bill and most recent HOA statement.
• Copy of your Driver's License
• Copy of your Social Security Card
• Copy of your earnest money check AND a bank printout showing when the check is cashed by the title company and clears your bank account
• Divorce Decree (if Applicable)
• Certificate of Eligibility (VA Loans only)
• DD214 Member 4 copy (VA Loans only)

Apply for Your Loan

If you are planning to buy a home, you may get pre-qualified or pre-approved. You can typically get pre-qualified over the phone or on the Internet in a few minutes. A pre-qualification is not as beneficial as a pre-approval where you have to go through a slightly more rigorous process which includes verification of your credit, income, assets and liabilities.

It is highly recommended that you get pre-approved before you start looking for a house. Once you are pre-qualified you will know what you can qualify to borrow and avoid wasting time looking at properties that you cannot afford. When you decide to make an offer, being pre-approved for your loan can put you in a stronger negotiating position with the seller. And finally, being pre-approved will help you close more quickly.

Applying for a loan or getting more information is easy. We offer you several convenient options to get started.

1. If you are ready to apply we recommend this online service which should take 5-15 minutes. Your information comes directly to us.
2. Call us at (480) 788-4198 and we will take your application over the phone.
   Business Hours Monday - Friday 8:00 am - 5:00 pm
   Evenings and Weekends By Appointment
3. Download an application form.(see links below)
4. Have an applicatione- mailed to you. Use our contact form to send your request or call the office (480) 788-4198 0, during business hours.

Express Mortgage Application (MSWord doc)

Express Mortgage Application (PDF)

Verification Authorization (MSWord doc)

Verificaiton Authorization (PDF)

Once your loan application has been received we will start the loan approval process immediately.

This involves verifying your:

1. Credit history
2. Employment history
3. Assets including your bank accounts, stocks, mutual fund and retirement accounts
4. Property value

Based on your specific situation, additional documents or verifications may be required. To improve your chances of getting a loan approval:

• Fill out the loan application completely.
• Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date.
• Do not make any major purchases. Do not buy a car, furniture or another house till your loan is closed. Anything that causes your debts to increase might have an adverse effect on your current application.
• Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us.
• Do not go out of town around the closing date. If you do plan to be out of town when your loan is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf

Available Loan Programs

If you are purchasing a home the following loan programs are available:

• FHA
• VA
• Conventional
• Jumbo
• 1-4 Apartments/Investment Property
• First Time Home Buyers

If you are refinancing the following loan programs are available:

• FHA
• VA
• Conventional
• Jumbo
• Investment Property
• Cash-Out
• Debt Consolidation
• Home Improvement
• Eliminate PMI/MIP