Emmett Carroll
Mortgage Loan Originator
NMLS# 1945752
970-424-5609
About Emmett Carroll
The Mortgage Road Map
Mortgage Calculator
Documents You Need To Start
Contact Emmett
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Emmett Carroll
Mortgage Loan Originator
NMLS# 1945752
970.424.5609
About Emmett Carroll
I’m a true Colorado original, born in a log cabin in the mountains and raised most of my life in the Grand Valley. I choose to call this community home because this community has welcomed me in with open arms and a loving embrace and there’s nowhere else I’d rather call home. In my free time I’m an avid outdoorsman and on weekends you can find me hiking one of the state’s countless beautiful trails or on my mountain bike. In addition to my love of the outdoors I’m a bicycle nerd, a car guy, a student of psychology, and a lover of literature.
Emmett’s Qualifications
During my career I’ve explored numerous avenues from entrepreneurial ventures, sales roles, data and logistics roles, wild land management, and business operations. My passion, however, is and always has been for finance. Money is a lever that can open doors to amazing circumstances and opportunities or simply move obstacles and stress and I enjoy helping people use that lever to move their lives in directions they find meaningful and significant.
Emmett’s Areas Of Expertise
I’m passionate about helping people achieve their financial goals, whether that may be a first time homebuyer, someone with limited funds, someone with damaged credit who doesn’t think a home is possible, or an experienced investor with a diverse portfolio of holdings looking expand or refinance. If you can dream it we can do it.
Loan Products
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: 970-424-5609
Mobile: 970-361-4845
Email: ecarroll@majormtg.com
Grand Junction, CO 81505