Greyson Capital Real Estate Financing

At Greyson Capital, we are truly passionate about our profession, and the result is that nearly 100% of our business is by referral from satisfied clients, trusted financial advisors and the most experienced realtors in the Bay Area. 

Our mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. With many years and a wide range of experience in the mortgage industry, our dedicated team stands ready to assist each and every step of the way.

We understand that it's not just a house, it's your home.

Your home is one of the largest financial commitments that you will make during your life, and many people view that as meaning just another monthly payment.

We can help you realize that your home is truly a valuable financial tool, and will help you achieve the dreams and plans they envision for your future.

J.D. Power and Associates 2005 Home Mortgage Survey: Those who said they used a broker tended to be substantially more satisfied with the broker personnel they spoke with than those customers who interfaced directly with the lender's personnel. "Brokers appear to perform significantly better in meeting customer expectations. Brokers are perhaps more dependent on customer referrals than the direct lenders. As a result, brokers may be more in tune with the cause and effect of customer satisfaction and advocacy," said Jeremy Bowler, director of the finance and insurance practice at J.D. Power and Associates.

--J.D. Power and Associates

The Loan Process Demystified

If you are buying or refinancing a home

1. If you are salaried: provide two years W-2 and one month of paystubs OR if you are self-employed: provide two years tax returns and a YTD profit and loss statement.
2. If you own rental property, please provide rental agreements and two years tax returns.
3. If you wish to speed up the approval process, please also provide three months bank statements for each bank, stock and mutual fund account.
4. Provide recent copies of any stock brokerage or IRA/401K accounts that you may have.
5. If you are requesting a cash out refinance please provide a letter explaining what you plan to do with the proceeds.
6. Provide copy of divorce decree if applicable.
7. If you are NOT a US citizen provide us with a copy of your green card (front & back), or if you are NOT a permanent resident provide us with your H-1 or L-1 visa.

Once your loan application has been received we will start the loan approval process immediately. This involves verifying your:

1. Credit history
2. Employment history
3. Assets including your bank accounts, stocks, mutual fund and retirement accounts
4. Property value

Based on your specific situation, additional documents or verifications may be required. To improve your changes of getting a loan approval:

• Fill out the loan application completely
• Respond promptly to any requests for additional documents. This is especially critical if your rate is locked or if you plan to close by a certain date.
• Do not make any major purchases. Do not buy a car, furniture or another house until your loan is closed. Anything that causes your debts to increase might have an adverse affect on your current application.
• Do not move money into your bank accounts unless it can be traced. If you are receiving money from friends, family or other relatives, please contact us.
• Do not go out of town around the closing date. If you do plan to be out of town when you close is expected to close, you may sign a power of attorney, to authorize another individual to sign on your behalf.

After your loan is approved, your will be required to sign the final loan documents. This will normally take place in front of a notary public. Be prepared to:

• Bring a cashiers check for your down payment and closing costs if required. Personal checks are normally not accepted.
• Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised. Also, verify that the name and address on the loan documents are accurate.
• Sign the loan documents

Your loan will normally close shortly after you have signed the loan document. On refinance and home equity loan transactions federal law requires that you have 3 days to review the documents before your loan transaction can close.