Review your current preapproval
Bring your existing preapproval so the Heart Mortgage team can review the general structure and answer your questions.
Private invitation for ten selected homebuyers
You are already preapproved. Let us make sure you are exploring the right mortgage options.
Join Lee Dama and Kem Wright for a private mortgage consultation created to review your current preapproval, answer your questions, explore alternative financing programs, and prepare the documents needed for your next step.
Private consultation. Personalized guidance. No obligation.
Aug22
Private VIP Mortgage Review
Presented by Lee Dama and Kem Wright
- Saturday, August 22, 2026
- 10:00 AM to 11:00 AM
- Food and refreshments provided
- Limited to ten invited clients
Location
Location will be shared with confirmed guests
The address is kept private for this invitation-only event. Kem Wright will share the exact location with each confirmed guest before August 22.
A second look can make a difference
Your preapproval is a starting point, not the end of the conversation
Different lenders and mortgage programs may evaluate income, assets, credit, employment, residency status, and available funds differently. This private meeting gives you an opportunity to better understand your current preapproval and explore other possible financing structures.
Explore other programs
Learn whether another financing program may better match your income, employment, residency status, or homeownership goals.
Understand your cash requirements
Discuss down payment, closing costs, reserves, assistance programs, and other funds that may be required.
Prepare the right documents
Use the personalized checklist on this page to identify the documents that may apply to your financial profile.
Speak directly with specialists
Meet privately with a mortgage professional and a Realtor who can discuss both financing and the homebuying process.
Begin a Heart Mortgage review
Clients who are ready may begin a new preapproval review with Heart Mortgage during the event.
How the event works
A private and focused experience
Saturday, August 22, 2026, 10:00 AM to 11:00 AM. Limited to ten invited clients.
- 01
Bring your current preapproval
Please bring the most recent preapproval letter you received, along with any loan estimate or financing summary available.
- 02
Bring your financial documents
Use the personalized checklist below to prepare the documents that relate to your income and financial profile.
- 03
Meet with Lee and Kem
Discuss your questions, current financing structure, property search, and possible mortgage alternatives.
- 04
Define your next step
Leave with a clearer understanding of your options and any additional items needed for a Heart Mortgage review.
Prepare before the event
Find the documents that match your financial profile
Answer a few simple questions. The page will create a personalized checklist showing which documents you should consider bringing to the event.
Step 1 of 4
Income
This tool only builds a preparation checklist. Your answers stay in your browser and are never sent to us unless you submit the attendance form. Do not upload or enter Social Security Numbers, bank statements, tax returns, or identification documents on this page.
Explore your options
Mortgage programs designed for different financial profiles
Each program evaluates a borrower differently. None is better than another — the right fit depends on your income, assets, credit, residency status, and the property you choose.
FHA Financing and Down Payment Assistance
Who it may help
Homebuyers looking for a lower down payment option or assistance with eligible purchase costs.
FHA financing may allow eligible borrowers to purchase with a lower down payment than some traditional options. Qualified buyers may also be able to combine FHA financing with an approved Down Payment Assistance program.
How qualification is commonly evaluated
Qualification is commonly evaluated using documented income, credit history, debts, available funds, the property, and program guidelines applied by the lender.
Documents commonly requested
- Most recent thirty days of pay stubs
- W2 forms from the previous two years
- Most recent two months of bank statements
- Documentation for the source of down payment funds
- Gift letter and donor documentation when gift funds may be used
Important consideration: Eligible buyers may be able to reduce the amount of personal funds needed for the down payment when FHA financing is combined with an approved assistance program.
Down Payment Assistance Programs
Who it may help
Eligible buyers who need help covering part of the down payment or qualified closing costs.
Assistance programs may be offered as grants, forgivable assistance, deferred payment loans, or repayable second mortgages. Availability and terms depend on the specific program.
How qualification is commonly evaluated
Qualification is commonly evaluated using household income, household size, the purchase price, the property location and type, occupancy, and any homebuyer education requirement.
Documents commonly requested
- Documentation for household income when required
- Information about household size
- Information about any property previously owned
- Homebuyer education certificate when already completed
- Identification for every borrower
Important consideration: Income limits, purchase price limits, property rules, occupancy requirements, education requirements, and repayment terms may apply.
Foreign National Financing
Who it may help
International buyers who live, work, or hold most of their income and assets outside the United States.
Foreign National programs may use international income, assets, credit references, and larger down payments to evaluate qualification.
How qualification is commonly evaluated
Qualification is commonly evaluated using verified international income and assets, the documented source of funds, credit reference letters, reserves, and the property being purchased.
Documents commonly requested
- Valid passport and visa documentation when applicable
- Proof of current residential address outside the United States
- Recent personal bank statements and asset statements
- Documentation showing the source of funds
- Credit reference letters when available
Important consideration: Program availability, required reserves, down payment, property type, translation, and currency conversion requirements vary by lender.
Profit and Loss Program
Who it may help
Self employed borrowers whose business income may be better represented through a current Profit and Loss statement.
Some programs may evaluate business income using Profit and Loss documentation instead of relying exclusively on traditional tax return calculations.
How qualification is commonly evaluated
Qualification is commonly evaluated using the Profit and Loss statement, proof of business ownership, how long the business has operated, and supporting business documentation.
Documents commonly requested
- Current year to date Profit and Loss statement
- Previous year Profit and Loss statement when available
- Business license or registration and proof of business ownership
- Business and personal bank statements
- CPA or tax preparer contact information
Important consideration: The Profit and Loss statement may need to be prepared or verified by a qualified tax professional. Additional business documentation may be required.
Bank Statement Program
Who it may help
Self employed borrowers who can demonstrate consistent business or personal deposits.
Bank Statement programs may estimate qualifying income using eligible deposits shown in personal or business bank statements.
How qualification is commonly evaluated
Qualification is commonly evaluated using eligible deposits across the statement period, proof of business ownership, and a business expense factor applied by the lender.
Documents commonly requested
- Complete personal or business bank statements
- Business license or business registration
- Business ownership documentation
- Explanation of recurring business deposits
- Explanation and supporting documents for unusual large deposits
Important consideration: The statement period, eligible deposits, business expense factor, and documentation requirements vary by lender.
VA Home Loan
Who it may help
Eligible Veterans, active duty service members, and certain surviving spouses.
VA financing may offer qualified borrowers competitive financing terms and may allow a purchase without a required down payment, subject to entitlement, eligibility, property value, and lender approval.
How qualification is commonly evaluated
Qualification is commonly evaluated using confirmed military service and entitlement, documented income, credit history, and the property being purchased.
Documents commonly requested
- Certificate of Eligibility when available
- DD214 when applicable
- Statement of Service for active duty service members
- Most recent Leave and Earnings Statements when applicable
- Documentation for VA disability income when applicable
Important consideration: A Certificate of Eligibility and additional military service documentation may be required.
Conventional Financing
Who it may help
Borrowers with documented income, qualifying credit, assets, and a financial profile that meets conventional underwriting requirements.
Conventional financing can provide several down payment and mortgage insurance structures depending on the borrower and property.
How qualification is commonly evaluated
Qualification is commonly evaluated using documented income, credit history, debts, verified assets, occupancy, and the property type.
Documents commonly requested
- Most recent thirty days of pay stubs
- W2 forms from the previous two years
- Most recent two months of bank statements
- Statements for retirement and investment accounts
- Documentation for down payment and closing funds
Important consideration: Qualification depends on credit, income, assets, debts, occupancy, property type, and the selected program.
Adding a program updates the checklist above. Final requirements depend on the borrower, lender, mortgage program, property, and underwriting review.
Exclusive event benefit
Appraisal Fee Credit for Eligible Clients
Eligible event attendees who choose Heart Mortgage and successfully close their mortgage may receive a credit toward the eligible appraisal fee.
Terms and conditions
- Available to clients who attend the Private VIP Mortgage Review.
- Requires a completed mortgage that closes with Heart Mortgage.
- Subject to credit review, underwriting, and program eligibility.
- Not redeemable for cash and cannot be combined with other offers unless stated in the written promotional terms.
Subject to loan approval, program eligibility, property approval, successful closing with Heart Mortgage, and written promotional terms. The benefit is not redeemable for cash. Limits and exclusions may apply.
Who you will meet
A private conversation with two professionals
You will sit down with a mortgage professional and a Realtor who can discuss both the financing and the homebuying side of your next step.
LDPhoto coming soon
Lee Dama
Heart Mortgage
Mortgage professional with more than twenty years of industry experience, focused on helping homebuyers understand their financing options and prepare for a successful mortgage process.
KWPhoto coming soon
Kem Wright
Realtor
@kem_wrightReal estate professional helping buyers navigate the property search, offer, negotiation, and home purchase process.
Frequently asked questions
Still have questions?
If your question is not answered here, bring it with you — there is time for questions during the consultation.
I already have a preapproval. Why should I attend?
A preapproval reflects the information, lender, and program used at the time it was issued. This event gives you an opportunity to ask questions, review your current structure, and learn whether other programs may be relevant to your situation.
Do I need to apply with Heart Mortgage during the event?
No. The consultation is educational and does not obligate you to submit an application or choose Heart Mortgage.
Will I receive a new preapproval during the event?
The Heart Mortgage team can review your information and help begin the preapproval process. A completed preapproval may require credit authorization, verification of documents, additional information, and lender review.
Should I bring my current preapproval?
Yes. Please bring your most recent preapproval letter and any loan estimate or financing summary you have received.
Should I bring original documents?
Copies or secure digital access may be helpful for the initial conversation. The mortgage team will explain how official documents should be submitted securely if you decide to continue.
Should I upload my financial documents through this website?
No. This public page is only intended to help you prepare a checklist. Do not upload Social Security Numbers, bank statements, tax returns, identification documents, or other sensitive financial information through this page.
What happens if I do not know which program fits me?
Select the option stating that you are not sure. Bring the general documents listed by the checklist, and the Heart Mortgage team will help identify programs that may be relevant.
Is the appraisal fee automatically waived?
No. The appraisal fee credit is subject to eligibility, written promotional terms, successful closing with Heart Mortgage, and any applicable limits or exclusions.
Can I bring another borrower or family member?
Yes, but attendance is limited. Ask Kem Wright to confirm any additional guest before the event.
Reserve your place
Confirm your private appointment
This event is limited to ten clients invited by Kem Wright. Saturday, August 22, 2026, 10:00 AM to 11:00 AM.
One private hour
Arrive prepared. Leave with greater clarity.
Bring your current preapproval, prepare the documents that match your profile, and use this private meeting to better understand your mortgage options.
Saturday, August 22, 2026 · 10:00 AM to 11:00 AM (EDT)