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Mark Krueger is a Vice President at LifeTree Lending and is licensed in South Carolina, Michigan, North Carolina, Georgia, Florida, Tennessee, and Texas . Mark has over 25 years of industry experience in all aspects of mortgage lending. He spent 5 years as a national mortgage trainer, so he is well-equipped to find a way to make a loan work and get it to closing.

Mark lives in the Upstate area of SC with his wife and four children. Mark is able to help you with Conventional, VA, USDA, FHA and non-QM mortgage loan programs - purchase and refinance. Sometimes, the home buying process turns into something stressful and confusing – but it shouldn't and doesn't have to be that way.

Here's What to Expect

Step 1: Application

It begins with an application process to answer questions about qualifications. That can be done by clicking here or on the 'apply now' button located below. That application is secure and will come directly to me. I'll conduct a credit review and contact you to go over that and let you know your options. If qualified, I can issue you a pre-approval letter so your agent and potential seller will know you have spoken with a professional who has confirmed that you are well-qualified. If not qualified, I will work with you and show you what needs to happen to be able to be approved.

Step 2: Processing & Underwriting

There are some basic documents required for qualification and underwriting. They include the following:

1. W2 forms for the most recent two years
2. Most recent pay stubs covering a 30-day period
3. Most recent two complete bank statements - all pages
4. Clear picture of driver's license and social security card
5. If self-employed, include most recent two years of Federal tax returns and1099 forms.

Once these documents and the application are received, they are submitted to the underwriter for review. The underwriter analyzes to ensure the information is as it was presented on the loan application and issues a conditional approval. That is a loan approval with conditions to be met in order to receive a Clear to Close.

Also during this step, the appraisal and title search is ordered and completed. Then my amazing processing staff will work with you and help guide you through meeting the underwriter's conditions. They can be reached by email at processingteam@lifetreelending.com. This email address goes to our entire team to make sure your questions will be answered. Once certain conditions have been cleared, you will receive a CD (Closing Disclosure) with all the final figures you will need to know regarding the loan approval. This must be signed three business days prior to your closing date. My team and I are here to help you navigate the entire process.

Step 3: Closing

Once all the conditions for closing have been met, your loan application moves to the closing department where they prepare all the documents necessary for the attorney to guide you through the actual closing appointment. Most attorneys will require a wire sent from your bank to the attorney for any cash due at closing. Some will require certified funds in lieu of a wire.