James H Ingman

This is the #1 most important thing you can do as a prospective homeowner. There is a lot of bad advice out there, so yourself a favor and speak to an expert on the front end.

My commission (and my company's) is paid for by the bank, not the client. Most loan programs have an underwriting fee of $1,000-$1,250, and a credit report fee (paid at closing) of ~$130.

Every client has different needs, so this varies. Virtual meetings with screen sharing, facetime calls, or even mailing paper documents back and forth if a client is technology-challenged.

Self-employed clients need their personal and business tax returns, while salaried/hourly employees need paystubs and W2's. Every client needs to have 2 months of bank statements.