Jan Hart
Senior Mortgage Loan Originator
NMLS# 296411
970-516-7373
About Jan Hart
The Mortgage Road Map
Mortgage Calculator
Documents You Need To Start
Contact Jan
Reviews
Jan Hart
Senior Mortgage Loan Originator
NMLS # 296411
970.516.7373
About Jan Hart
I am a native of Colorado and have lived in the Four Corners since 1984. I am a Granma of 3 and they make life wonderful – spoiling is becoming a true passion. I have always loved being on a motorcycle and in October of 2017 I finally purchased one of my own…a 2006 Harley Davidson Fatboy and I enjoy a little downtime on the weekends to meet with friends and ride in the beautiful area we live in. Being a loan officer allows me the opportunity to help people achieve their dreams of homeownership. I currently live in Cortez, Colorado.
Jan’s Qualifications
I have worked in the mortgage industry for over 3 decades. Over those years I have learned that no loan is the same, and it is very important to work with a lender that knows how to look at scenarios outside of the box. A little creativity goes a long way, when your situation seems difficult…you just have to look at things a little differently. Sometimes the solution is just another perspective away! I am currently a Senior Loan Officer in the Major MortgageCortez, Colorado branch and I love it!
Jan’s Areas Of Expertise
Working in the mortgage industry for 29 years I have experience with almost all types of Mortgage Loans. I am ready to help you with FHA, USDA, VA, Conventional, Construction, and Down Payment Assistance Loans. Get Pre-Qualified today so I can help you into your next dream home!
Loan Products
The Jan Hart Team
Cortez, Colorado
Jan Hart
Senior Loan Officer
Auston Hart
Loan Coordinator/ Mortgage Loan Originator
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: 970.516.7373 Mobile: 970.739.5960 Email: jhart@majormtg.com
Cortez, CO 81321