(876) 442-1147•bookings@idjrealtyandmortgage.com
Mortgage Services
Dreaming about your next home is exciting. Knowing what you can afford is what helps turn that dream into a real plan.
At IDJ Realty & Mortgage Services, we help you explore your mortgage options, understand what you may qualify for, and prepare for the next step toward homeownership.
Already found the property? That's perfectly fine.
You can use our mortgage assistance even if you are not purchasing a property through IDJ Realty.
Whether you:
We're here to help you navigate the financing process.
You bring the dream. Let us help you explore the financing that can make it possible.
Don't just wonder whether you can afford the home you want. A mortgage pre-approval can help you understand your purchasing power before you begin making serious offers.
Knowing your potential budget allows you to move from simply thinking about buying a home to shopping with greater confidence and preparing for closing.
1. Provide Proof of Income Submit documentation confirming your employment, salary, self-employed income or other qualifying income.
2. Provide Your Credit Information This helps us understand your existing financial commitments and assess available financing options.
3. Complete Two Mortgage Forms Complete the Mortgage Data Sheet and Statement of Affairs so we have the information needed to begin your assessment.
Once your documents and completed forms are received, our team aims to complete your initial assessment within 3 business days.
Buying your first home can feel overwhelming. We'll help you understand the financing process, the information lenders require and what your next steps should be.
Planning to purchase property in Jamaica while living abroad? We can help you understand the documentation and mortgage options available for your situation.
If you're purchasing real estate as an investment, we can help you explore financing options suited to your objectives and financial position.
Building instead of buying? Speak with us about financing options that may be available for residential construction.
Already own property? We can help you explore options for accessing available equity based on your circumstances and lender requirements.
You do not need to list, buy or search for property through IDJ Realty to receive mortgage assistance. If you already know which property you want, we can focus on helping you explore the financing.
Every borrower's circumstances are different, which is why one mortgage product may not be right for everyone.
IDJ Realty & Mortgage Services works with several financial institutions, allowing us to explore a wider range of mortgage products, interest rates, terms and lending options.
Our goal is to help you understand the available choices and identify options that may suit your financial situation and property goals.
The Mortgage Data Sheet gives us the basic information required to begin evaluating your mortgage needs. You will be asked for information including:
The Statement of Affairs gives us a clearer picture of your overall financial position. It includes information relating to:
Each applicant should complete a separate Statement of Affairs where applicable.
Once we receive your completed forms, proof of income and required credit information, our team will review your information and begin assessing potential mortgage options.
Submit Your Information → Mortgage Assessment → Explore Financing Options → Pre-Approval → Property & Closing Process → Welcome Home
From your first assessment to the keys in your hand, IDJ Realty & Mortgage Services is here to help you take the next step.
Your dream home could be closer than you think.
Ingrid Dunbar Dacres Real Estate Professional IDJ Realty & Mortgage Services
Cell: (876) 442-1147 / (876) 826-7120 Email: ingriddacres@gmail.com
Quality Service That Leads You to Your Home