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The approval process can include up to 10 different companies all working together to achieve one goal - YOUR APPROVAL! Those involved may include the realtor, land seller, builder, mortgage company, construction lender, title company, appraiser, surveyor, etc. Luckily for you, this is what we do everyday so we know what information to gather to expedite the process.
|- Company Formation Documents|
|- Minimum of 3 Client References|
|- List of Completed Projects over last 2 years|
|- VA Builder ID [if applicable]|
|- Home Contract or Proposal|
|- Home Floor Plans with Elevations|
|- Home Specifications|
|- Construction Budget|
|- General or Personal Liability Insurance Verification|
|- Builder's Risk Insurance before work begins|
- Forms Survey before foundation is poured
|- Final Survey upon construction completion|
Libra Enterprises, LLC dba Construction Financial Solutions Copyright 2021
|- Identification [Driver's License & SS Card]|
|- Pay Stubs for the most recent 1 month|
|- Bank Statements for the most recent 2 months|
|- W2 and/or 1099s for the most recent 2 years|
|- Tax Returns for the most recent 2 years|
|- Land Deed, Loan Payoff or Contract|
|- Land Plat or Survey|
|- Self-Employed: Business Tax Returns for most recent 2 years and current year P&L Statement|
|* All documents must be the most recent *|
Libra Enterprises, LLC dba Construction Financial Solutions © Copyright 2021
"CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV."
National Mortgage Licensing System Registry #1771431. Construction Financial Solutions is located at 18568 Forty Six Parkway, Suite 3002, Spring Branch TX 78070.
Lenders are required to provide the "Your Home Loan Toolkit", which has been provided by the Consumer Finance Protection Bureau created to comply with federal law pursuant to 12 U.S.C. 2604, 12 CFR 1024.6, and 12 CFR 1026.19(g). This is for all loan transactions effective 10/3/2015.
|- Mortgage Application|
|- Mortgage Loan Estimate|
|- Mortgage DU or LP Report|
|- Mortgage Underwritten Conditional Approval|
|- Credit Report [within last 60 days]|
|- Proposed-Construction Appraisal|
|- Tax Transcripts [if applicable]|
|- Title Commitment [Clear Sch. C]|
|- Title Tax and HOA Certificates|
|- Title Wire Instructions|