Meet Crystal Trammell –

Your Trusted Loan Officer at 21st Century Lending

Welcome to 21st Century Lending! I'm Crystal Trammell, your dedicated loan officer, committed to guiding you through the journey of securing your dream home or business venture. My passion lies in empowering clients like you to make informed financial decisions, tailored to your unique needs.

Passionate about empowering others, I leveraged my Master’s Degree in Social Work to make a meaningful impact in the financial realm. As a dedicated loan officer, I apply my deep understanding of people's aspirations to help them secure the perfect mortgage for their dream homes. Balancing life as a wife and mother to twin boys, I intimately grasp the significance of a home that offers peace and tranquility to families.

My mission is to educate, facilitate, advocate, and guide my clients through the intricacies of mortgage processes – be it for buying a new home, refinancing, or investing. With over ten years of customer service experience, I bring a wealth of knowledge, empathy, and a personalized touch to each client interaction.

I am here to demystify the world of mortgages, making it accessible and manageable for you. My approach is rooted in understanding your unique needs and finding solutions that align with your life goals. Partner with me, and experience the ease and assurance of having a skilled professional handle your loan needs. Let's work together to turn your housing dreams into reality!

Crystal Trammell

NMLS #2295766

CONVENTIONAL

FHA

USDA

EntrepreneurIAL LOAN

REFINANCE

HOME EQUIT LINE OF CREDIT

DOWN PAYMENT ASSISTANCE

LOAN OPTIONS

DOCUMENTS NEEDED

Interested in applying for a mortgage? Here are some documents that you will need:

1. Proof of Income:
   
• W-2 forms from the past two years
  
• Recent pay stubs (usually covering the last 30 days)
  
• Tax returns from the past two years
  
• If self-employed, additional documentation such as profit and loss statements
  
2. Proof of Assets:
   
• Bank statements (usually covering the last two months)
  
• Investment account statements (if applicable)
  
• Documentation for any large deposits or gifts used for the down payment
  
3. Credit Information:
   
• Your lender will pull your credit report, but you may need to provide additional information if there are any discrepancies or issues.
  
4. Employment Verification:
   
• Your lender may contact your employer to verify your employment and income.
  
5. Identification:
   
• Government-issued ID (e.g., driver's license or passport)
  
6. Other Documentation:
   
• Social Security number (for credit check)
  
• Rental history (if applicable)
  
• Divorce decree (if applicable, to show alimony or child support payments)
  
• Bankruptcy/discharge papers (if applicable)
  

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