Let Ultimate Mortgages Help You Find The Right Rate And Loan

Our website makes it easy for you to learn about Ultimate Mortgages and find the loan products you are looking before feeling pressured to contact us. Of course, when you're ready, we're always available to talk with you, meet in person or on the phone, and discuss your financial and mortgage goals. You can always reach us at 305.673.3001 or by using our convenient online contact form."

Ultimate Mortgage Corporation is a fast-growing, fast-paced company that can satisfy any need you might have. We offer great rates along with prompt and courteous service. Our aim is to please you and help you in any way we can. You can always count on us.

Ultimate Mortgage Corporation has over 55 nationwide lenders available for purchases and refinances, each with multiple programs and rate variations, thus making available endless financing opportunities from the entire U.S. marketplace. With so many possibilities, rates are very competitive, either fixed rate or adjustable.

Ultimate Mortgage Corporation obtains wholesale rates from Local and National banks. We can provide a rate lower than if the buyer walked into the bank to apply for a loan. Thus, Ultimate Mortgage Corporation can provide buyers with competitive rates from local or out-of-area financial institutions.

Next Steps:

Required Documentation for Loan Approval

Past two (2)years W-2 statements.
Pay Stubs covering the last (30) thirty days.
Most recent two months banks statements.
Most recent Investment, Retirement, Stocks, Bonds, 401K, Keogh, SAR-SEP statements.
Copy of the Purchase and Sale Agreement
Copy of you recent property tax statement - refinancing only.
Copy of your survey - refinancing only.
Copy of your title insurance policy - refinance only.
For refinancing - please order your payoff statement with your current lender and send it to us.
If you are currently renting….either 12 months canceled rent checks or the name and address of your current landlord.
If divorced… a fully executed divorce decree.
For a refinance, a copy of the deed, and most recent tax bill

For Self Employed borrowers, Employed in sales, Paid by commission or that owns Rental Real Estate

Two (2)Years signed personal Tax returns including all schedules, K-1's.

If self-employed through a corporation, last two years corporate returns as well as a year-to-date profit and loss statement and balance sheet.

For Foreign Nationals

Copy of Passport showing data page and Signature Page.
Copy of Purchase Contract signed by all parties.
For 20% down you need the following:
Source the down payment, closing costs and 6 month reserves(in a US Bank Acct. for last 2 months).
3 Credit references on original stationary which should include: Amount of credit, date of credit, any late payments, present balance.
Employment Letter showing: Date employment started, position, average income for past 2 years, present income, probability of continued employment (on company stationary).
For Greater than 20 % down:
Source the down payment, closing costs and 6 month reserves(in a US Bank Acct. at time of application).
1 Credit references on original stationary which should include: Amount of credit, date of credit, any late payments, present balance.
Employment Letter showing: Date employment started, position, average income for past 2 years, present income, probability of continued employment (on company stationary)

For Stated Income Program (verifying assets)

Most recent three months banks statements

Most recent transaction summary of 401K, IRA, or Mutual Fund Accounts

Photocopies of any Stocks or Certificates of Deposits.

Copy of the Purchase and Sale Agreement

If you are currently renting….either 12 months canceled rent checks or the name, address and phone number of your current landlord.

If divorced… a fully executed divorce decree.

For a refinance, a copy of the deed, and most recent tax bill.

A letter of explanation for any known credit problems.

For Stated Income Program (non-verified assets)

Copy of the Purchase and Sale Agreement
If you are currently renting….either 12 months canceled rent checks or the name, address and phone number of your current landlord.
If divorced… a fully executed divorce decree.
For a refinance, a copy of the deed, and most recent tax bill.
A letter of explanation for any known credit problems.

Click here for more Information on Mortgages