Using an Experienced Lender is equally as Important as using an Experienced Realtor. 

Click below to get connected with my trusted Lender Partner.

About Derek Goulette

Derek Goulette

Derek Goulette

Branch Manager

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. As a Branch Manger and Senior Loan Officer, I have over 20 years experience and possess the knowledge and expertise you need to explore the many financing options available. Ensuring  that you make the right choice for you and your family is my ultimate goal, and I am committed to providing my customers with mortgage services that exceed their expectations. I hope you’ll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone, fax or email for personalized service and expert advice. I look forward to working with you.  


Learn More About Derek: https://derekgoulette.com/

Ready to get Pre-Approved?  Click Here:   https://apply.fairwaymc.com/#/milestones?referrerId=derek.goulette%40fairwaymc.com     

Here’s a checklist to get you on your way to buying the home of your dreams.

  1. Personal documents
    You’ll need two forms of government-issued ID, your social security number, divorce papers if applicable, as well as proof of ownership of other property.
  2. Review your credit report
    You should be able to do this free of charge. Be sure to dispute any errors or provide an explanation for late payments or derogatory items. Then, keep your credit score healthy by avoiding any new credit inquiries, canceling any credit accounts, or lowering limits with any creditors. Doing any of these things could lower your credit score. 
  3. Tax returns
    You’ll need to provide tax returns for the previous year, and potentially for the last two years.
  4. Proof of income
    Gather W2s, paycheck stubs, 1099s, or a year-to-date profit and loss statement if you’re self-employed. You’ll also need to show other income sources such as Social Security, child support (and proof children’s ages), or government assistance.
  5. Proof of assets
    Provide bank statements, mutual fund statements, account balances for retirement accounts, 401Ks, IRAs, and any money held in the stock market.
  6. Debt summary
    You’ll need to provide a summary of your debts, monthly payment amounts, child support payments and balances for credit cards, student loans, car loans, other property loans.
  7. Financial issues
    You may need to provide a written explanation if you’ve had bankruptcy or other financial issues in the past.
  8. Down payment and closing money ready
    Have these funds ready in your bank account. If you received this money as a gift, you might need to provide a letter from the gifter explaining the gift is not a loan.
  9. Renting
    Compile proof for the past year with canceled checks or money orders to show rent was paid on time.
  10. Mortgage pre-approval successful
    Do some comparison shopping and contact other lenders. A home is likely the largest purchase you’ll ever make, do your homework to ensure you get a competitive deal.                                                                                                                                                                                                                                              Click here to get Pre--Approved:      https://apply.fairwaymc.com/#/milestones?referrerId=derek.goulette%40fairwaymc.com