970.241.6100 info@majormtg.com

Ninna Leyba

Loan Officer

NMLS #1266843

970.424.5322

Ninna Leyba

About Ninna Leyba

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Ninna

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About Ninna Leyba

I found my love for this industry by accident actually. I was looking for a new job and stumbled upon this company. My shot in the dark was an absolute blessing. Fast forward 5 years, I have a wonderful career that I would never change. Outside of work, I spend a lot of time with my husband, two children, and our close family and friends. Since we live in the Grand Valley, we take advantage of the beautiful outdoors! We love to explore the mountains in our side-by-side or spend a weekend camping away from everything. We want our children to grow up with those memories so Grand Junction is the perfect location to do that in.

Ninna’s Qualifications

I graduated from Colorado Mesa University in Grand Junction, Colorado with my Bachelor’s in Business Administration with an emphasis in Marketing in 2015. Here at Major Mortgage, I am a Loan Processor, Loan Originator, and more recently a Junior Underwriter. My diverse background allows me to stand out from the norm and understand all sides of this industry.

Ninna’s Areas Of Expertise

Even though I enjoy assisting EVERYONE, I specialize in first-time homebuyers. There is nothing better than seeing a person buy their first home! I make sure that every homebuyer is well-informed throughout the whole process. Major Mortgage offers several loan programs: VA, FHA, USDA, Conventional, Down payment programs.

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: 970.424.5322
Mobile: 805.704.9994
Email: nleyba@majormtg.com

2474 Patterson Rd #200
Grand Junction, CO 81505

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