real estate agent
John G. Fister,
Cell: (859)533-8777
lexington kentucky real estate
Rector Hayden Realtors
998 Governors Lane #125
Lexington, KY 40513

Home Loans and Mortgage Calculator

“How much can I buy?”

You will save thousands of dollars by choosing the right loan for your home purchase.  How do you select the best lender and the best loan from the dozens of choices available?  Actually the answer is simpler than you think.  When you choose a professional, ethical lender whose company has highly competitive interest rates and closing costs, your job is almost done.  The professional will help you match up with the BEST type of loan for your particular situation.

Having the following information with you when you apply for a loan will significantly speed the processing of your pre-approval or mortgage loan:

  • Social security number(s).
  • Your annual gross salary (list overtime and/or bonus separately).
  • Your last 3 pay stubs.
  • If in sales or marketing, or a commission income position, or claiming any interest income or bonus income, please provide 2 years tax returns and a year-to-date profit and loss statement.
  • Your W-2 statements for last 2 years.
  • If you receive social security disability or pension income, bring a copy of a check and award certificate from that agency.
  • If you are self-employed, bring copies of your personal and business tax returns for 2 years, business profit and loss and balance sheet for the current year.
  • List all stocks, bonds and/or certificates of deposit, including their cash value in today's market.  If available, bring statements for the last two months.
  • If you are presently renting, provide landlord's name, address and phone number.
  • Name and address of all employers for the last 2 years.
  • Bank names and address for each savings and checking account.  Including account numbers and balance in each account.  Please bring last 3 months bank statements.
  • Present housing expenses, i.e., monthly mortgage or rental payment, maintenance, utilities.
  • If divorced or separated, provide a copy of your final divorce decree and separation agreement or property settlement.
  • Original executed Offer-to-Purchase contract, if applicable.

    Through many years of experience I have found that the following lenders and these specific representatives to be some of the VERY BEST available in the Lexington, Kentucky area.  I highly recommend that you check their websites and call one or all of them to get a FREE quote on loan rates.  Any of these professionals can do your initial pre-qualification to tell you How Much You Can Buy.  These websites contain mortgage calculators to help you estimate how much your payments would be on “the house of your dreams!”

    Jerry Cavallaro w/Rector Hayden Mortgage - 

    C. Wayne Baker w/Polaris Home funding Corp. -