Get Moving with Janine Aceto

Mortgage Originator

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Janine Aceto

Mortgage Originator

NMLS #750356

Utica/Rome

1 Kirkland Avenue
Clinton NY. 13323

315-368-8248 (Cell)

Business Hours
Monday through Friday – 8:00 a.m. to 5:00 p.m.

Bio
With over 20 years of banking experience, I can provide the assistance needed to choose the right product for you! Let’s remember there is no one solution for every person, so we offer a variety of options each one designed to help achieve your goal. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer your questions, no matter how big or small. My goal is to make your mortgage experience a great one, and I am excited to help! I am available by both cell phone and email.

 
 

Ready to Apply?

Please Have These Items Ready

  1. Current and Previous Addresses (2 years)
  2. Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
  3. Current and Previous Employment Information and dates (2 years)
  4. Sources and income amounts for all borrowers
      a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
      b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
      c. If retirement income, award letter, 1099 or equivalent documentation
  5. Bank Account Statements (2 months)
  6. Current monthly housing expenses such as rent and mortgage payments
  7. Property address and Estimated Market Value for properties you own, including taxes & insurance
  8. If working with a real estate agent, their name, company and phone number

Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.

DOWNLOAD CHECKLIST