970.241.6100 info@majormtg.com

Patrick Monaghan

Mortgage Loan Originator

NMLS #1650521

623.261.7067

Gabe Rodriguez | Major Mortgage | Mortgage Junior Loan Officer | Grand Junction, Colorado

About Patrick Monaghan

The Mortgage Road Map

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Documents You Need To Start

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About Patrick Monaghan

Patrick has lived in many states, including Nebraska, Kansas, Michigan, and Texas before moving to Arizona where he has now lived most of his life. The summers may be hot, but the wonderful weather of Arizona provides access to many of the activities that Patrick loves. Camping, golfing, and snowboarding are some of his favorite ways to enjoy the Arizona landscapes. Cars of all types are a passion for Patrick. He is always ready to hit the track, go on a car rally with PHXDriven, or take a weekend drive through the mountains. Unless there’s a big game on because he is also a major sports fan.

Patrick’s Qualifications

In just under 5 years Patrick has closed over 2400 loans. He is an experienced loan officer proficient in both refinance and purchase. Patrick began his journey in the finance field by working at a major credit card company where he discovered a love for helping clients achieve their financial goals. A couple of years later he transitioned to the loan industry. Working for the largest mortgage company in America Patrick found a new way to help clients achieve their goals.

Patrick’s Areas Of Expertise

Patrick loves the opportunities that the loan industry brings for him to build relationships and to help people accomplish their financial goals. Whether they are purchasing their first home or their tenth home, expanding their investments in real estate, or simply refinancing to improve their overall financial picture; Patrick is always excited to see people’s dreams and goals become reality.

Roadmap To Your New Home Loan

Step One: Pre-Qualification

We will have you fill out an application on our website. This will allow us to pull credit. We will also collect income and asset documentation to make sure you have a solid pre-qualification. Once you are pre-qualified, we can give you an idea of the price range of house you can afford, so that you can start house shopping!

Step Two: House Shopping

Once you have been pre-qualified, you can contact your agent or realtor and start shopping for houses you like in the range you can afford. Once you find a house you want, you will make an offer and we will begin the process of setting up your loan.

Step Three: Setup and Processing

Once your loan moves to processing we will be updating and verifying all of the information you provided to us at pre-qualification. We will also order and appraisal, title work and insurance for your property. Keep an eye out for communications from us so that you can help us make the process faster. Processing will analyze your situation and prepare your loan for Underwriting.

Step Four: Underwriting

Once your loan has made it through processing it will move to our Underwriting Department. Underwriting will review your loan and all documentation to verify that it meets all guidelines and make sure everything is in the clear for closing.

Step Five: Closing

You will receive closing instructions with the day, time, and location of your closing. You will also receive a Closing Disclosure 3 days before you loan closing date that you will need to sign so keep a look out for it.

Step Six: You’re A Homeowner!

Congratulations! You’re A New Homeowner!

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Documents You’ll Need To Get Started

30 Days Most Recent Pay Stubs

We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.

Driver’s License and Social Security Card

Required for all loans as part of the patriot act.

Copy Of Mortgage Statement For All Properties Owned

We need these for all properties you own so that we know which loans go with which properties.

Previous 2 Years W-2s or 1099s

We use this to make sure we have an accurate income calculation upfront and to speed up your approval process.

Homeowner’s Insurance Agent Name and Phone Number

Please provide us with the name and phone number for your agent.  We can give referrals if needed.

Copy Of Most Recent Two Years Tax Returns

If you’re self-employed, have rental property, or certain types of dividend, or retirement income we may have to ask you for a copy of your tax returns.  This would also include business tax returns for self-employed borrowers.

    

Office: 623.261.7067
Mobile: 623.261.7067
Email: grodriguez@majormtg.com

2474 Patterson Rd #200
Grand Junction, CO 81505

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