970.241.6100 info@majormtg.com

Adam Croker

Mortgage Loan Originator

NMLS #368566

970.257.9922

Adam Croker | Major Mortgage | Grand Junction Loan Officer

About Adam Croker

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Adam

Reviews

About Adam Croker

I have lived in Grand Junction my whole life and would never leave! I love the area for all the things there are to do outdoors and the amazing people that are here. From camping, 4 wheeling, and shooting. I can’t see myself anywhere else. Being a loan officer enables me to help the community that has been so good to me all these years.

Adam’s Qualifications

I have worked as a loan officer at the Major Mortgage Grand Junction Branch for over 10 years. I have helped hundreds of family’s reach their homeownership and financial goals become a reality. There is nothing better than seeing their happiness at the closing table. When they receive the keys to their home and the excitement they have for their future. I would never do anything else!

Adam’s Areas Of Expertise

From first time home buyers to real estate investors. I have used my experience to facilitate all kinds of real estate transactions. Also refinancing primary residences and investment property to improve their quality of life is something I pride myself on. I appreciate the ongoing support from past clients and am excited to meet the new people that I haven’t had the opportunity to yet. I love what I do and it shows in the unparalleled customer care I strive to provide!

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: 970.257.9922
Mobile: 970.314.1366
Email: acroker@majormtg.com

2474 Patterson Rd #200
Grand Junction, CO 81505

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