970.241.6100 info@majormtg.com

Austin Bratt

Loan Officer

NMLS #1798153

970.589.5787

Austin Bratt | Phoenix Mortgage Lender | Major Mortgage | Phoenix, AZ

About Austin Bratt

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Austin

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About Austin Bratt

My name is Austin Bratt, I am 27 years old, living in Phoenix, AZ after growing up in Western Colorado! I am an avid Colorado sports fan, and still enjoy playing softball whether that be in Arizona or even Colorado a couple of times a year! When I am not working you can find me at a concert somewhere or taking in a car show as those are a couple of my favorite ways to spend my free time!

Austin’s Qualifications

I worked in retail up to and through college and then made the transition into the financial world after graduation. My mom has been in banking since I was young and figured I would give it a shot when I accepted a position with the Credit Union of Colorado! After spending about a year here and dabbling in all aspects of finance I realized the mortgage industry was something I wanted to pursue full-time. I ended up accepting a position with Quicken Loans/Rocket Mortgage which brought me here to Arizona and helped open many doors in the mortgage industry. After the chapter, I decided I enjoy a smaller organization with more of a family feel and decided I was going to make the jump over to Watermark Capital, an organization based out of CA with a branch here in Arizona! As soon as I got word Major Mortgage was exploring Arizona I knew if I had the opportunity this was the place I wanted to be, I am so excited to continue my career with such an illustrious organization.

Austin’s Areas Of Expertise

The mortgage industry is such a unique beast full of ups and downs, but the result makes every weekend or late-night I spend working all worth it. It is such a pleasure to get to meet so many different people, all from their unique walks of life, and build that relationship as part of one of their largest financial transactions. My favorite transactions to help with are first-time homebuyers who are accomplishing one of the largest milestones in their adult life, as well as refinances that end up helping families find the financial freedom they have been looking for!

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: 970.589.5787
Mobile: 970.589.5787
Email: abratt@majormtg.com

2474 Patterson Rd, Ste 200
Grand Junction, CO 81505

Contact Austin Bratt

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