970.241.6100 info@majormtg.com

JR McFadden

Producing Branch Manager

NMLS# 1246357

406.465.1918

JR McFadden

About JR McFadden

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact JR

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About JR McFadden

My wife and I love the outdoors which is why we live on 40 acres in Helena, Montana with our 3 fur kids. We love to hunt and fish together. And if I’m not at the office there is a pretty good chance you can find me on the golf course if the weather is good! I also volunteer as a firefighter/EMR here locally and love giving back to our community in my spare time. Sometimes not so spare time at all hours of the night when the pager goes off.

JR’s Qualifications

I’m the Producing Branch Manager at the Major Mortgage Helena, Montana Branch. I started in the mortgage industry in 1990 and have seen the many ups and downs of the Real Estate market. I love to help families achieve the American Dream of homeownership. Being a Mortgage Advisor is extremely important to me. Especially when you are dealing with one of the most important assets a family owns. Finding the right mortgage is never a one size fits all situation and I love finding solutions to help my clients achieve their goals.

JR’s Areas Of Expertise

My passion is helping first-time homebuyers achieve the American Dream regardless of their situation. Every borrower’s situation is unique and that is why there are so many options aka investors out there to help you achieve your goal of homeownership (Convention, VA, FHA, USDA, DPA Programs, etc.). Not all programs are “Right” for every borrower. What we will do together is identify which one fits with your situation and goals, to get you into that home of your dreams!!!

The JR McFadden Team

Helena, Montana

JR McFadden

Jr McFadden

Producing Branch Manager

NMLS # 1246357
Direct: 406.443.2870
Mobile: 406.465.1918

jrmcfadden@majormtg.com
Major Mortgage | Circle Image of Casey Lester

Casey Lester

Licensed Loan Processor

NMLS# 1263664
Direct: 970.986.6008
Fax: 866.362.1830

clester@majormtg.com

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!

Mortgage Calculator

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: 406.443.2870
Mobile: 406.465.1918
Email: jrmcfadden@majormtg.com

2001 11th Ave | Building A, Suite 3
Helena, MT 59601

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