When applying for a loan Ruhl Mortgage will pull a credit report and when we do this Equifax, Experian and Transunion will sell your phone number and/or email address to whomever is willing to pay for the information. Ruhl Mortgage has no way to stop this from happening, but we try to prevent this from happening to the best of our ability. You can help protect your information by following a few extra steps:
1) Add you phone number to the DO NOT CALL REGISTRY by visiting https://www.donotcall.gov/
2) Opt out of Prescreen Soliciations (this can eliminate all your junk mail too) there are two options at https://www.optoutprescreen.com/ :
Start your Ruhl Mortgage Loan Application
Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That's why we want to make applying for your home loan quick and easy. This application should take you approximately 20 minutes to complete, and your progress will be saved as you complete each step.
Or Start your Free Zero Obligation Pre-Approval
If you don't have a property address or aren't sure if you qualify. Start a Pre-Approval application to check for preliminary approval. Ruhl Mortgage may pull a Pre-Approval Credit report to verify your information at your consent, but this is a soft pull report and will not affect your credit. At the time you wish to move forward with credit a formal application will be completed and a hard pull credit report obtained with you consent. A Pre-Approval is not a guarantee of final credit.
Please Have These Items Ready
1. Current and Previous Addresses (2 years)
2. Property Information (if applicable)
3. Current and Previous Employment Information and dates including monthly salary
4. Bank Account Statements
5. Current monthly housing expenses such as rent and mortgage payments
6. Address and Market Value information for properties you own, including taxes & insurance
7. Sources and Income Amounts for all Borrowers. If a W-2 employee, pay stubs for the last 30 days
8. If working with a real estate agent, their name, company and phone number