Joel (Jay) Reich
Mortgage Banker (NMLS#319419)
- 646.668.3955
- 646.668.3966
- 917.620.1664
- Email Me
- Blog
Joel (Jay) Reich graduated from Rabbinical College. With a love of numbers and finance, he started his career in the mortgage industry and has been working in the industry ever since.
Jay built his career with the goal to study the ins and outs of complicated mortgage guidelines. He has the ability to take difficult loan scenarios for clients and move them from a dream to reality. Over the years, Jay has built a large base of highly satisfied clients, who can attest to his knowledge, honesty, and dedication.
Jay likes to spend his free time with his family. He is highly respected at his local synagogue where he reads from the Torah Scroll each Sabbath.
Jay built his career with the goal to study the ins and outs of complicated mortgage guidelines. He has the ability to take difficult loan scenarios for clients and move them from a dream to reality. Over the years, Jay has built a large base of highly satisfied clients, who can attest to his knowledge, honesty, and dedication.
Jay likes to spend his free time with his family. He is highly respected at his local synagogue where he reads from the Torah Scroll each Sabbath.
Application Checklist
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Purchase Agreement if applicable
- Copy of Cancelled Earnest Money Check
- Listing Agent Name and Phone Number
- Selling Agent Name and Phone Number
- Sellers Attorney Name and Phone Number
- Buyers Attorney Name and Phone Number
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Copy of Current Mortgage Statement
- Copy of Current Tax Bill
- Copy of Homeowners Insurance Bill or Agent Contact Information
- Copy of HUD1 Settlement Statement for 1st 2nd Mortgages
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Purchase Agreement if applicable
- Copy of Cancelled Earnest Money Check
- Listing Agent Name and Phone Number
- Selling Agent Name and Phone Number
- Sellers Attorney Name and Phone Number
- Buyers Attorney Name and Phone Number
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Copy of Current Mortgage Statement
- Copy of Current Tax Bill
- Copy of Homeowners Insurance Bill or Agent Contact Information
- Copy of HUD1 Settlement Statement for 1st 2nd Mortgages
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Copy of Current Mortgage Statement
- Copy of Current Tax Bill
- Copy of Homeowners Insurance Bill or Agent Contact Information
- Copy of HUD1 Settlement Statement for 1st 2nd Mortgages
- Copy of Cancelled Earnest Money Check
- Listing Agent Name and Phone Number
- Selling Agent Name and Phone Number
- Sellers Attorney Name and Phone Number
- Buyers Attorney Name and Phone Number
- Copy of DD214
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
Required Documents
- Last 2 years W2s and 1040s including all schedules
- If self-employed, last two years' corporate tax returns and year-to-date profit & loss statement
- Past 30 days computerized pay stubs, to include year-to-date earnings
- 2 months current bank and asset account statements including all pages (no screen prints)
- Drivers License or State ID Card
- Copy of Current Mortgage Statement
- Copy of Current Tax Bill
- Copy of Homeowners Insurance Bill or Agent Contact Information
- Copy of HUD1 Settlement Statement for 1st 2nd Mortgages
- Copy of DD214
If Applicable
- Condominium Declarations Bylaws and Budgets
- Copy of Gift Check and Signed Gift Letter
If you own additional real estate, please provide the following documentation for each property
- Copy of Current Mortgage Statements
- Copy of Tax Bills
- Copy of Leases
- Copy of Homeowners Insurance Bills or Agent Contact Information
