Kathi Giguere
Producing Branch Manager
NMLS #369271
505-320-4169
About Kathi Giguere
The Mortgage Road Map
Mortgage Calculator
Documents You Need To Start
Contact Kathi
Reviews
Kathi Giguere
Producing Branch Manager
NMLS# 369271
505-320-4169
About Kathi Giguere
I’m an artist at heart, I love to create rustic crafts and flower arrangements, and I often create them and share them with friends and family. I have three wonderful dogs, Kali, Maggie, and Kye. I love camping, and I love watching the sunset from my balcony. My grandson Cooper (Coopster, The Coop) is the joy of my life and most of the photos on my phone are of Cooper.
Kathi’s Qualifications
I have over 30 years of dedicated experience in the banking and mortgage industries. My years of experience have helped me become a powerful asset to my borrowers, and I am exceptional at problem solving complicated situations.
Kathis’s Areas Of Expertise
I’m a caring and compassionate loan officer, and when I work with a borrower I work for them with my whole heart. Helping families get into their new home, hearing how excited their kids are that they can finally have a dog or a pool, that’s the good stuff. That’s why I do what I do.
Loan Products
The Kathi Team
Farmington, New Mexico
Kathi Giguere
Producing Branch Manager
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: 505.320.4169
Mobile: 505.320.4169
Email: kathig@majormtg.com
Farmington, NM 87402