From Consultation
to Keys in Hand
Buying a home or managing a complex refinance shouldn't feel like a black box. We designed our process to be entirely transparent, education-first, and friction-free—keeping you, your agent, and our team aligned from day one.
01
What Mortgage Lenders Look for
Before you submit an application, it helps to understand how underwriters evaluate a file. We look at four fundamental pillars to build a pre-approval that actually wins in a competitive market: (1) Creditworthiness: A credit report gives us a clear overview of your credit history, trade lines, and monthly debt obligations. (2) Financials: Income and asset documentation allow us to calculate your average monthly income and verify reserves.
(3) Ability to Repay: We evaluate your Debt-to-Income (DTI) ratio by comparing your verified monthly income against your recurring monthly debts. (4) Loan-to-Value (LTV) Ratio: An appraisal will determine the property's market value to ensure the amount borrowed aligns safely with the asset.
02
The 5 Essential Documents
To move quickly and secure the sharpest wholesale pricing, preparation is key. Here are the core documents we request upfront to get your file pre-approved:
1) W-2 Forms (typically the past 2 years) or profit-and-loss statements for self-employed borrowers.
2) Bank Statements covering all asset accounts to verify down payment and reserves.
3) Recent Pay Stubs reflecting your most recent 30-day earnings.
4) Tax Returns (personal and corporate, where applicable).
5) List of Monthly Debt (auto loans, student loans, credit card minimums, etc.).
03
Get Pre-Approved before Home Shopping
Here is what you can expect when you partner with Oltman Management Group:
01 / Chat With Us at 877.643.4626: We start with a pressure-free discovery call. We review your scenario, discuss your goals, and answer your questions before pulling credit or locking you into a box.
02 / Get Pre-Approved: We gather your documents, run a thorough scenario review, and leverage our access to 300+ wholesale lenders to match you with a program that actually fits.
03 / Start Your Search: Armed with a bulletproof pre-approval letter, you and your real estate agent begin shopping with absolute financial confidence.
04
Make an Offer &
Go Under Contract
Once your offer is accepted, our team springs into action, coordinating contract deadlines and opening escrow.
05 / Inspections & Appraisal: We coordinate the necessary property evaluations, working closely with your inspection and appraisal teams to protect your investment.
06 / Clear-to-Close & Keys in Hand: Once underwriting signs off on final conditions, we lock your terms, finalize closing docs, and hand over the keys to your new home.
