VA MORTGAGE CONCIERGEYour Guide To The Ultimate VA Home Loan Experience
THE DAN KELLER MORTGAGE TEAMNew American Funding, a direct VA Lender
Call/Text: (425) 350-7136Email: [email protected]/Jason Hoskins, Pre-Approval Specialist: (425) 979-7442Pre-Approval Page: www.MyMortgageGuyDan.com/VaHomeLoan
VA HOME BUYER GUIDE
AboutYourVAHomeLoanSpecialistHello–mynameisDanKeller[MLO#115349].First,Iwanttothankyouforyourservicetoourgreatcountry!Iamlookingforwardtoshakingyourhandandthankingyoupersonally!
Iamtheson,grandson,andgreat-grandsonofVeteransoftheUnitedStatesArmedForces.Sinceenteringthemortgageindustryin2008,I’vecenteredmybusinessphilosophyaroundservingthosewhoserveourgreatcountry.I’vebuiltmywebpageandthispacketsothatyouhaveabetterideaoftheincrediblebenefitsprovidedtoyoubytheDept.ofVeteranAffairs.Inadditiontothesegreatbenefits,Iworkforagreatmortgagebank(NewAmericanFunding).Theircultureandstructureforprocessing,underwriting,andservicingVAhomeloansissecondtonone!AsadirectVAlender,wemakeacomplicatedprocessverysimpleforyou!
IamahusbandtoJennyKeller(aka-@jennycookies),andafathertoAllyandHudson.JennyandIownabakeshopinLakeStevens(www.JennyCookies.com)andenjoytheprovidingbakedgoodsforfamiliesandcompaniestoenjoyastheycelebratespecialoccasions!Inmysparetime,youcanfindmefishingonthePugetSound,coachingbaseball,ortravellingwithmyfamily!EverysummerIenjoycombiningtwoofmypassions–fishingandworkingwithourlocalVeterans.AfriendandIvolunteerourboatforaweekendandguidelocaldisabledVetsfishingintheSalmonForSoldiersFishingDerby.Alwaysagreattime!IamlookingforwardtoassistingyouonyourjourneytoattainingahomeloanandleveragingoneofthegreatbenefitstheDept.ofVeteranAffairsoffersyou.Comeonin,let’sgetstarted!
NMLS# 115349 Dan Keller – Mortgage Loan Officer Dan has been a trusted resource in the Northwest for 8 years. He will meet with you, educate you, go over your loan options, and help you pick the program that is just right for you! Website: www.thedankellergroup.com Cell/Text: (425) 350-7136 Email: [email protected]
Brie Sidener - Loan Partner II (Production Mgr.) Brie will be your main point of contact once your file gets into processing. She will be calling you for information, following up on your needed items, contacting you every Friday to give you weekly updates, and navigating you into escrow at closing! Direct Line: (425) 947-8533 Email: [email protected]
Lori Larsh – Senior Loan Processor Lori is the processor assigned to your loan. She has over 15 years of processing experience and is the BEST! Lori’s job is to review your loan application & prepare it for underwriting & closing of escrow! Phone: (425) 315-7532 Direct Line: (425) 359-3239 Email: [email protected]
Jason Hoskins - Loan Partner I (Production Asst.) Jason will be your initial point of contact here at New American Funding. His job is to schedule your appointment and gather all of your information to help expedite the loan approval process. NMLS# 1164881 Phone: (425) 979-7442 Email: [email protected]
YOUR VA MORTGAGE CONCIERGE TEAM
VA HOME BUYER GUIDE
ItemsNeededToProcessYourVAHomeLoan(1)Copyofyouridentification(driver’slicenseorpassport)(2)Copyofyoursocialsecuritycard(3)CopyofyourDD214(wewillorderyourCertificateofEligibilityforyouwiththisdoc)(4)Ifactiveduty–copyofyourLES(LeaveandEarningStatement)(5)Copyofyourmostrecent30-dayspaystubs(6)Copyofyourlast2-yrsW2s(7)Copyofyourlast2-yrstaxreturns(allpagesplease)(8)Copyofyourlast2bankstatements(allpagesplease/bothcheckingandsavingsplease)(9)Copyofyourlast2investmentaccountstatements(401k/Annuity,etc)(10)Copyofyourcurrentleaseagreement(ifyouarerenting)(11)Copyofyourcurrentmortgagestatement(ifyouownahomeorhomes)(12)Nameofpreferredinsuranceagent(Icanmakearecommendationifneeded)(13)Nameofrealestateagent(Icanmakearecommendationifneeded)[email protected](425)952-1246.YoucanalsodropthembyourEverettOfficeat:NewAmericanFunding-2707ColbyAvenueSuite1002(10thfloor)Everett,WA98201orourKirklandoffice-NewAmericanFunding12220113thAveNESuite120Kirkland,WA98034Ifyouhaveanyquestions,youcanalwaysreachusdirectlyat(425)979-7442
VA HOME BUYER GUIDE
EvidenceNeededToQualifyForAVAHomeLoanOnceyouhaveestablishedthatyouareeligibleforaVAHomeLoan,youwillneedaCertificateofEligibility(COE)orcurrentStatementofServiceform.ThesedocumentsverifytotheVAmortgagelenderthatyouareeligibleforaVA-backedhomeloan.Theevidenceyouneeddependsofthenatureofyourservice.Refertothechartbelow:
Category EvidenceNeededToApplyVeteran-OR-currentorformerNationalGuardorReservememberwhohasbeenactivatedforFederalactiveservice
DDForm214–requiredtohaveacopytoshowthenatureofyourserviceandreasonforseparation
ActiveDutyServiceMember-OR-CurrentorformerNationalGuardorReservememberwhohasneverbeenactivatedforFederalactiveservice(musthaveservedatleast6yearsorhavebeenactivatedunderTitle10)
Acurrentstatementofservice:-signedby(orbythedirectionof):theadjutant,personneloffice,orcommanderoftheunitorhigherheadquartersShowing:-Yourfullname-SocialSecurityNumber-Dateofbirth-Entrydateonactiveduty-Thedurationofanylosttime-Thetotal#ofcredibleyearsofservice-Thenameofthecommandprovidingtheinformation
DischargedmemberoftheNationalGuardwhohasneverbeenactivatedforFederalservice
NGBForm22,ReportofSeparationandRecordofService,foreachperiodofNationalGuardservice-OR-NGBForm23,RetirementPointsAccounting,andproofofthecharacterofservice
IfyouareaSurvivingSpouseinreceiptofDIC(DependencyandIndemnityCompensation)Benefits
SubmitVAform26-1817andveteran’sDD214(ifavailable)Includeveteran’sandsurvivingspouse’ssocialsecuritynumberonthe26-1817form
VA HOME BUYER GUIDE
AnswersToCommonQuestionsThatIGetFromVeteransDan–MyCreditIsn’tSoGood,CanIQualifyIfIDon’tHaveGreatCredit?Inmanycases,theanswerisYES.VA(andourbank)willallowyoutoqualifywitha580creditscoreorhigher.Dan–CanIQualifyIfIHadAForeclosureOrBankruptcyInthePast?Yes.VArequiresthatyouwait2-yearsfollowingthedischargedateofabankruptcy.VAwillrequireyouwait2-yearsfollowingaforeclosureorshortsaleaswell.Irecommendallowingmetoverifytheaccuracyofthedischargedatestoconfirmeligibility.Also–theVeteranmustshowprooftheyhavere-establishedcreditsincesuchevent.Dan–DoINeedADownPaymentToPurchaseAHomeWithVA?Ingeneral,No.VAwillallowforyoutopurchaseahomewith$0downuptothecountyconformingloanlimit.Forexample,inKingCountyandSnohomishCounty,youcanfinanceahomewith$0downupto$540,500(2016guidelines).Ifyouneedtoattainaloanamounthigherthanthecountyloanlimit,thenyouwillberequiredtoputdownasmalldownpayment.Dan–IsMonthlyPrivateMortgageInsuranceRequiredSinceIamNotPutting20%Down?No.VAdoesnotchargeamonthlyprivatemortgageinsurancepremium.VAdoeshoweverchargeanupfrontVAFundingFee.TheFundingFeeistypicallyfinancedintotheloanorpaidoutoftheclosingcosts.Forafirsttimeuse,theVAFundingFeeis2.15%oftheloanamount.Foraseconduse(orsubsequentuse)itis3.3%.However,theFundingFeeiswaivediftheVeteranreceivesaminimumof10%disabilityrating.Also,iftheVeteranchoosestomakea5%downpayment,theVAFundingFeeisreducedto1.5%.Witha10%downpayment,theVAFundingFeeisreducedto1.25%.Thisisoftenseeninsubsequentusesituations.Dan–MyCreditUnion/BankSaidItTakes60DaysToCloseAVAHomeLoan,IsThatRight?No.OurtypicalVAhomeloansclosein30-daysorless.Dan–CanIBuyRawLandandBuildWithA$0DownVAHomeLoan?No.Dan–MyWifeHasBadCredit,CanIOmitHerFromtheLoan?Yes,sheisconsideredanon-purchasingspouse.However,hermonthlydebtobligationsmustbeuseagainsttheVAborrower’sdebttoincomeratio(However,ifshehasajob,youcanuseherincometooffsetherdebtonly).
VA HOME BUYER GUIDE
Dan–CanIUseMyBAHToQualifyForAHomeLoan?Yes.Absolutely.Dan–IHaveADisability.DoesThatImpactMyVALoanApproval?Yes.Forthebetter.70%ofallVeteransaregivenadisabilityof10%ormore.Withaminimum10%disability,theVeteranwillnothaveaFundingFeeassessedtotheloanamount.Dan–CanIUseAVALoanToBuyAMulti-FamilyHomeWith$0Down?Yes.AVeterancanbuyuptoa4-plexandmustoccupyoneoftheunits.Dan–I’veUsedMyVABenefitsInthePastToBuyAHome,CanIUsedVAToPurchaseAgain?Yes.Iwillorderform26-1880toverifyyoureligibility.Dan–MyRealEstateAgentSaysThatTheSellerhasToPayExtraFeesToSellToAVet.True?Thatisnottrue.VAhaswhatiscalled,“Non-AllowableFees”thattheVeteranisnotallowedtopay.However,since2013whenmanyofthemortgagecomplianceguidelineswerere-written,banksthatDONOTCHARGEaloanoriginationfee(wedonot)allowtheVeterantopaythecustomaryclosingcostsassociatedwithaloan.Sothatmythisfalse.Haveyourrealestateagenttalktome.Dan–HowDoIKnowIfIQualifyForAVAHomeLoan?(1)Youmustbecurrentlyservingactivedutyw/atleast90daysofcontinuousservice.(2)YoumustbeaVeteranwhoserved90daysactivedutyduringwartimeor181daysduringpeacetime.(3)Youmustbeareservistornationalguardmemberwhohasservedatlease6-yearsoronewhowasactivatedundertitle10whohasservedthefulltermofthatactivationwhichmustbegreatertan90daysanddischargedhonorably(4)Youmustbeun-remarriedsurvivingspouseofaVeteranwhodiedonactivedutyorfromaserviceconnecteddisability.Dan–MyFiancéandIWantToBuyAHome,CanWeUseMyVABenefitsToDoSo?No.InordertouseVAtopurchaseahomewithaco-borrower,youmustbemarried.Dan–WhatTypesofVAHomeLoansAreThere?Thereare4typesofVAHomeLoans:(1)VA$0DownPurchaseLoan(2)VAStreamlineRefinance(noappraisalneeded)(3)VACashoutRefinance(4)RateandTermRefinancefromConventionalLoanToVAHomeLoan
VA HOME BUYER GUIDE
StepsToQualifyingForAVAHomeLoanSTEP 1Completethesecureonlineapplication(linkprovidedhere–www.mymortgageguydan.com/apply)STEP 2 SubmityourfinancialdocumentsrequestedSTEP 3 DanKellerandTeamwillreviewyourcredit,debt,eligibility,incomeandissuepre-approvalfindingsSTEP 4 JasonHoskinswillscheduleanin-officeMortgagePlanningMeetingwithDantoreviewyourcredit,helpyoudial-inyourmortgagebudget,reviewyourpre-approval,aswellasthenextstepsinthehomebuying/VAmortgageapprovalprocess.YouwillleavewithaCertifiedVAPre-ApprovalLetter.STEP 5 YoushopforahomeandarereadytomakeanofferwithyourrealestateagentSTEP 6Onceacontractisacceptedonahome,weissueVAloandisclosuresandorderyourappraisalthroughtheVA.Thiscantakeupto12-days.Duringthistimeperiod,yourloanissubmittedtounderwritingforconditionalapproval,yourrateislocked,andanothersetofdisclosuresaresent.STEP 7Appraisalisback,loanissentbacktofinalapproval;andwithin2-3daysacleartocloseisissued.STEP 8 Finalclosingdisclosuresareemailedtoyou.DanwillcallyoutoconductaPre-ClosingReviewofyourfinalnumberstoinsuretheyareexactlyasyouplannedforthemtolook.STEP 9 YousignyouclosingdocumentsattheTitleandEscrowoffice.STEP 10WefundyourVAHomeLoanandyoubecomeavaluedclientforlife!
VA HOME BUYER GUIDE
TheDo’sandDon’tsWhenApplyingForAVAHomeLoanThesetipswillhelpavoiddelayswithyourloanapproval.MOSTIMPORTANTLY,DONOTGIVEYOURSOCIALSECURITY#OUTFORTHENEXT30DAYS!DOcontinuetomakeyourmortgageorrentpaymentontime.DOstaycurrentonallexistingaccounts(evenifyouarepayingthemoff)DOcontinuetoworkforthesameemployer-trynottoswitchjobsorgetfiredDOcontinuetousethesameinsurancecompanyDOcontinuetoliveatthesameresidenceDOcontinuetouseyourcreditcardsasnormalDOcallusifyouhaveANYquestions!---DON’Tmakeanymajorpurchases(car,boat,furniture,jewelry,studentloans…)DON’Tapplyfornewcredit–PLEASECALLMEIFYOUFEELTHENEEDTOOPENNEWCREDITDON’Topenanynewaccounts–gymmemberships,etcDON’Ttransferanybalancesw/olettingusknowfirstDON’Tpayoffanycollectionsoraccountspastduew/outfirstconsultingwithusfirstDON’TcloseanycreditcardaccountsDON’TchangebanksoropennewbankaccountsDON’TmaxoutoroverchargeyourcreditaccountsDON’TdrawonanopenlineofcreditforclosingcostsordownpaymentmoneyDON’Tconsolidateyourdebtontootheropencreditaccountsw/oconsultingusfirstDON’TtakeoutanewautoloanorleaseDON’TopenanewcellphoneaccountIfyouencounteraspecialsituation,it’sbesttomentionittousrightawaysothatwecanhelpyoudeterminethebestwaytohandleitinordertoachieveyourfinancialgoals!Ifyouhaveanyquestions,youcanalwaysreachusdirectlyat(425)979-7442.Weareheretohelp!
W W W .T h e D a n K e l l e r G r o u p . C O M
HOME MORTGAGE CONCIERGE PROGRAM
For questions contact: Dan Keller cell: (425) 350-7136 / [email protected]
Mortgage Planning Questionnaire 1
Purpose of Loan: PPuurrcchhaassee RReeffiinnaannccee ((ccaasshh oouutt)) RReeffiinnaannccee ((nnoo ccaasshh oouutt))
BBoorrrroowweerr CCoo--BBoorrrroowweerr FFuullll NNaammee ____________________________________________________________________________________________________ SSoocc.. SSeeccuurriittyy ##:: ____________________________________________ DDaattee ooff BBiirrtthh __________________________ PPhhoonnee ((cceellll)) ________________________________________________ ((ww))____________________________________________
mmaarrrriieedd uunnmmaarrrriieedd ddiivvoorrcceedd YYeeaarrss ooff sscchhooooll __________________________ ## ooff ddeeppeennddeennttss __________________________ AAggeess ______________________________________________________ PPrreesseenntt aaddddrreessss ____________________________________________________________________________________________ ________________________________________________________________________________________________________________________
oowwnn rreenntt YYeeaarrss aatt tthhiiss aaddddrreessss __________ RReenntt//MMoorrttgg.. PPmmnntt____________________ PPrreevviioouuss AAddddrreessss ((iiff lleessss tthhaann 22 yyrrss.. AAbboovvee)) ________________________________________________ ______________________________________________________________________________________________________________________ EEmmppllooyyeerr ______________________________________________________________________________________________________ AAddddrreessss ______________________________________________________________________________________________________ ______________________________________________________________________________________________________________________ PPoossiittiioonn ______________________________________________________ WWoorrkk PPhhoonnee____________________________ YYeeaarrss oonn tthhiiss jjoobb ________________________________ YYeeaarrss iinn tthhiiss lliinnee ooff wwoorrkk ________________ GGrroossss MMoonntthhllyy IInnccoommee ______________________________ AAnnnnuuaall BBoonnuusseess ______________________ CCuurrrreenntt HHoouussiinngg EExxppeennsseess:: RReenntt __________________________ MMoorrttggaaggee __________________________ TTaaxxeess ____________________________ IInnssuurraannccee __________________ MMttgg.. IInnssuurraannccee ____________________ HH--OO DDuueess __________________ AAsssseettss::
CChheecckkiinngg//SSaavviinnggss//OOtthheerr IInnvveessttmmeenntt AAccccoouunnttss BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ AApppprrooxx.. VVaalluuee ooff RReettiirreemmeenntt AAccccoouunnttss ((440011KK,, eettcc)) ______________________________________ AAuuttoommoobbiilleess oowwnneedd ((yyeeaarr,, mmaakkee,, mmooddeell)) ______________________________________________________ ________________________________________________________________________________________________________________________ PPlleeaassee lliisstt aannyy ootthheerr aasssseettss oowwnneedd,, rreeaall eessttaattee oowwnneedd,, oorr aaddddiittiioonnaall mmoonneeyy eeaarrnneedd ((ssttoocckkss,, bboonnddss,, rreeaall eessttaattee,, bbooaattss,, ttiimmee sshhaarreess,, cchhiilldd ssuuppppoorrtt,, eettcc)).. ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ EE--mmaaiill aaddddrreessss ______________________________________________________________________________________________
FFuullll NNaammee ____________________________________________________________________________________________________ SSoocc.. SSeeccuurriittyy ##:: ____________________________________________ DDaattee ooff BBiirrtthh __________________________ PPhhoonnee ((cceellll)) ________________________________________________ ((ww))____________________________________________
mmaarrrriieedd uunnmmaarrrriieedd ddiivvoorrcceedd YYeeaarrss ooff sscchhooooll __________________________ ## ooff ddeeppeennddeennttss __________________________ AAggeess ______________________________________________________ PPrreesseenntt aaddddrreessss __________________________________________________________________________________________ ______________________________________________________________________________________________________________________
oowwnn rreenntt YYeeaarrss aatt tthhiiss aaddddrreessss __________ RReenntt//MMoorrttgg.. PPmmnntt__________________ PPrreevviioouuss AAddddrreessss ((iiff lleessss tthhaann 22 yyrrss.. AAbboovvee)) ________________________________________________ ______________________________________________________________________________________________________________________ EEmmppllooyyeerr ______________________________________________________________________________________________________ AAddddrreessss ______________________________________________________________________________________________________ ______________________________________________________________________________________________________________________ PPoossiittiioonn ______________________________________________________ WWoorrkk PPhhoonnee____________________________ YYeeaarrss oonn tthhiiss jjoobb ________________________________ YYeeaarrss iinn tthhiiss lliinnee ooff wwoorrkk ________________ GGrroossss MMoonntthhllyy IInnccoommee ______________________________ AAnnnnuuaall BBoonnuusseess ______________________ CCuurrrreenntt HHoouussiinngg EExxppeennsseess:: RReenntt __________________________ MMoorrttggaaggee __________________________ TTaaxxeess ____________________________ IInnssuurraannccee __________________ MMttgg.. IInnssuurraannccee ____________________ HH--OO DDuueess __________________ AAsssseettss::
CChheecckkiinngg//SSaavviinnggss//OOtthheerr IInnvveessttmmeenntt AAccccoouunnttss BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ BBaannkk NNaammee __________________________________________________ BBaallaannccee __________________________________ AApppprrooxx.. VVaalluuee ooff RReettiirreemmeenntt AAccccoouunnttss ((440011KK,, eettcc)) ______________________________________ AAuuttoommoobbiilleess oowwnneedd ((yyeeaarr,, mmaakkee,, mmooddeell)) ______________________________________________________ ________________________________________________________________________________________________________________________ PPlleeaassee lliisstt aannyy ootthheerr aasssseettss oowwnneedd,, rreeaall eessttaattee oowwnneedd,, oorr aaddddiittiioonnaall mmoonneeyy eeaarrnneedd ((ssttoocckkss,, bboonnddss,, rreeaall eessttaattee,, bbooaattss,, ttiimmee sshhaarreess,, cchhiilldd ssuuppppoorrtt,, eettcc)).. ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________________ EE--mmaaiill aaddddrreessss ______________________________________________________________________________________________
W W W .T h e D a n K e l l e r G r o u p . C O M
HOME MORTGAGE CONCIERGE PROGRAM For questions contact: Dan Keller cell: (425) 350-7136 / [email protected]
Mortgage Planning Questionnaire 2
NEW LOAN INFORMATION: 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11.
12. 13. 14. 15. 16. 17. 18.
Names (full) that will appear on title: _________________________________________________________ How do you wish to be communicated with: phone e-mail text mail / preferred_______________ Have you served in the US Armed Forced? yes no Are you a disabled Veteran? yes no Have you owned a home in the last 3 years? yes no Have you ever owned a home? yes no Are you wanting to purchase a home as: Primary residence 2nd Home Investment Property Term of mortgage that you request (30, 25, 20, 15, 10, 5 years): _______ or undecided _______________ Type of mortgage you prefer: Fixed ARM Interest Only Princ./Interest Pay-off Undecided Would you prefer to pay taxes and insurance with your monthly mortgage payment? yes no Do you prefer to have the seller pay your closing costs? yes no If you rent, please provide the following information: Name of Landlord_____________________________ Phone _______________________ Date of Current Lease____________________________________ Please rate your credit score as poor, just ok, excellent -__________________________________________ If applicable, would you like information on credit restoration yes no Have you had any judgments, lawsuits, bankruptcies (last 10 yrs.), foreclosures (last 7 yrs.)? yes no Purchase price range $_________________ Desirable monthly mortgage payment $__________________ Down payment amount $___________________ or percent down _______________% Down payment will come from ______________________________________________________________ (ex. checking, savings, investments, sale of stock, sale of home, 401(K) loan, gift funds, bonus, etc.) If owned, is your current resident listed for sale? yes no If listed, with whom ____________________ Under contract? yes no Sale price $______________ Original purchase price $______________ Year built ____________ Bedrooms _____ Bathrooms _____ Sq. Feet __________ Who can we thank for referring you to meet with Dan Keller and his team?____________________________ Is there anything that you would like to know about me before allowing us to serve you? ________________ _______________________________________________________________________________________
W W W .T h e D a n K e l l e r G r o u p . C O M
HOME MORTGAGE CONCIERGE PROGRAM
For questions contact: Dan Keller cell: (425) 350-7136 / email: [email protected]
Mortgage Planning Questionnaire 3
MORTGAGE ANALYSIS
1.
2. 3.
4. 5. 6. 7. 8. 9. 10. 11.
As a Mortgage and Credit Consultant, my goal is to ensure that you and your realtor receive nothing less than an exceptional lending experience working with me and my team. In the end, I am confident that I will be able to help you to secure the best rate at the lowest cost. In saying that, what is most important to you in working with a mortgage and real estate professional? ________________________________________________________________________________________
________________________________________________________________________________________
________________________________________________________________________________________ Amount of monthly payment that you are comfortable with? $_______________________ What is the best estimate for how long you will have this loan or live in this home?
_____ 1-3 years _____ 3-5 years _____ 7-10 years _____10 years+ Do you currently have plans for a major purchase in the next 12 months including a car, college tuition, home improvements, or rental properties? yes no If yes to the above question, how much do you expect to need? $____________________________________ In how many years do you plan to retire? __________________ Are you working with an experienced realtor? yes no Name _________________________________ If no, would you like me to refer one? yes no Are you currently working with an experienced financial planner? yes no Name __________________________________ If no, would you like me to refer one? yes no Do you have insurance to protect your family and home? yes no If yes, what type of policy do you have and how much coverage do you have? _________________________
________________________________________________________________________________________ What are your hobbies? ____________________________________________________________________ Do you have children? If so, what are their names and b-days?______________________________________ What is your favorite restaurant? ______________________________________________________________
What is your favorite dessert? _________________________________________________________________
