970.241.6100 info@majormtg.com

Jorge Villagran-Molina

Loan Officer

NMLS #2302638

505.327.9500

Elie Bard | Eliana Bardi | Grand Junction, Colorado | Major Mortgage

About Jorge Villagran-Molina

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Jorge

Reviews

About Jorge Villagran-Molina

Hello everyone, name is Jorge! I am a husband to a wonderful wife whom I’ve been married to 4 years and a father to amazing toddler and newborn! During my free time all I do is spend time with my family.
On a Saturday you can find me at the park with my kids. I am very into fitness and love to work out and maintain a healthy lifestyle! I was born in Mexico in the beautiful city of Chihuahua and I am fluent in Spanish and English.

Jorge’s Qualifications

I am a Loan Officer but my background is very diverse. I have worked in construction as a foreman, I have been a coal miner at various facilities around the country. I have also worked as an injection well mechanic and was a supervisor at a generating station where I mastered how to operate a D10 Bulldozer. I have also worked as a firefighter and have had my EMT license.
A phrase that I think relates to me is “ A Jack of all trades is a master of none, but is better than a master of one”.

Jorge’s Areas Of Expertise

I remember when I was able to close on my home and step inside with my family, and that was such an amazing moment for me.
The reason why I made such a big switch to the mortgage industry is so that other families experience what my family did. I thought homeownership was not a viable option for me and my dreams were able to come true. I love this industry because my job is to help people who have dream to own a home. I wake up every day with a determination to make sure your dream comes true!

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: 505.327.9500
Mobile: 505.339.9537
Email: jvillagran-molina@majormtg.com

5920 E Main St A
Farmington, NM 87402

Contact Jorge Villagran-Molina

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