970.241.6100 info@majormtg.com

Tor Hayward

Division President

NMLS #174592


Tor Hayward | Mortgage Loan Originator | Major Mortgage | Grand Junction, CO

About Tor Hayward

The Mortgage Road Map

Mortgage Calculator

Documents You Need To Start

Contact Tor


The Tor Team

Grand Junction, Colorado

Tor Hayward

Tor Hayward

Division President

NMLS # 174592
Direct: 970.257.9999
Mobile: 970.261.6333

Adam Croker

Adam Croker

Mortgage Loan Originator

NMLS# 368566
Direct: 970.257.9922
Mobile: 970.314.1366

Grand Junction Loan Officer | Tor Hayward | Major Mortgage

Lori Gowdy

Loan Coordinator

Direct: 970.620.4498
Mobile: 970.326.5428

Grand Junction Loan Officer | Tor Hayward | Major Mortgage

Erika Metcalfe

Loan Processor

Direct: 970.257.9990


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: 970.257.9999
Mobile: 970.261.6333
Email: tor@majormtg.com

2474 Patterson Rd #200
Grand Junction, CO 81505

Contact Tor Hayward

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