Megan Luksha
Division Trainer / Business Development Liaison
NMLS # 184748
970-640-0417
About Megan
The Mortgage Road Map
Mortgage Calculator
Documents You Need To Start
Contact Megan
Reviews
Megan Luksha
Division Trainer / Business Development Liaison
NMLS # 184748
970.640.0417
About Megan Luksha
As a Colorado native, I love enjoying the great outdoors with my family. Camping, hiking, biking, golf, and beautiful sunrises and sunsets are some of my favorite things about Grand Junction. My other passions include real estate, travel, and personal growth. I’m blessed to have had the opportunity to help thousands of families in my 20 year career in the mortgage industry.
Megan’s Qualifications
I became a homeowner at the early age of 19, and lost everything by 28 in the mortgage meltdown. With a lot of God’s blessings, humility and perseverance I’ve been able to turn one of my greatest challenges into great success. While losing everything is far from my proudest moment, I decided I could hide my weaknesses or I could use it to help others. I chose the latter. Today my husband and I own several businesses. We flip houses and also have several rental properties including short term rentals. I love helping people and look forward to using my experience and tenure to help you make the best choices for you and your future.
Loan Products
Megan’s Areas Of Expertise
First Time Homebuyers
I love helping first time homebuyers as I believe homeownership lends to stability and future wealth.
Credit Challenged Buyers
Credit challenges can be frustrating or overwhelming, but if you’re willing to do the work to repair your credit I am happy to help you through this process.
Self Employed Borrowers
As a business owner I’m able to understand the challenges other business owners face, and I have very good understanding and experience with more complex tax returns.
Investors
Any type of investment property always peaks my interest and I love finding creative ways to help new investors get off the ground. I’m also passionate about helping more experienced investors restructure their real estate portfolio to grow their investments or create future income.
I’m licensed in ten states, Colorado, New Mexico, Wyoming, Montana, Texas, North Dakota, Iowa, Nebraska, Arizona, and Florida. I look forward to helping you with your financing needs!
The Megan Luksha Team
Grand Junction, Colorado
Megan Luksha
Mortgage Loan Originator
Emmett Carroll
Mortgage Loan Originator
Casey Lester
Licensed Loan Processor
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: 970.257.9984
Mobile: 970.640.0417
Email: mluksha@majormtg.com
Grand Junction, CO 81505