[{"data":1,"prerenderedAt":180},["ShallowReactive",2],{"team":3,"how-resources":73},{"id":4,"es":5,"extension":21,"members":22,"meta":66,"stem":67,"story":68,"storyTitle":71,"__hash__":72},"team\u002Fteam.yml",{"storyTitle":6,"story":7,"members":10},"El enfoque del equipo Tokar",[8,9],"Sus metas orientan la conversación. Ya sea que compre su primera casa, planee su siguiente mudanza, refinancie o financie una propiedad de inversión, The Tokar Team le ayuda a entender sus opciones y a prepararse para el siguiente paso.","Puede contar con respuestas directas, actualizaciones en el camino y un equipo que trabaja junto para que su financiamiento siga avanzando.",[11,16],{"id":12,"role":13,"bio":13,"bioLong":14,"photoAlt":15},"ari","Gerente de operaciones de sucursal",[],"Retrato de Ari Tokar sonriendo con un blazer azul marino y una camisa celeste.",{"id":17,"role":18,"bio":18,"bioLong":19,"photoAlt":20},"danny","Gerente de sucursal productor",[],"Retrato de Danny Tokar sonriendo con una camisa a cuadros azul y verde.","yml",[23,48],{"id":12,"name":24,"role":25,"roleTodo":26,"bio":25,"bioLong":27,"nmls":28,"phone":29,"email":30,"applicationUrl":31,"photo":32,"photoAlt":33,"primaryContact":34,"social":35},"Ari Tokar","Branch Operations Manager","",[],"1462188","(561) 714-4218","ari@thetokarteam.com","https:\u002F\u002Flo-sites.goldstarfinancial.com\u002F?lar=atokar","\u002Fstaff\u002FAri-Tokar.jpg","Portrait of Ari Tokar smiling in a navy blazer and light blue shirt.",false,[36,40,44],{"id":37,"label":38,"url":39},"instagram","Instagram","https:\u002F\u002Fwww.instagram.com\u002Faritokar.mortgage\u002F",{"id":41,"label":42,"url":43},"facebook","Facebook","https:\u002F\u002Fwww.facebook.com\u002Ftokarari",{"id":45,"label":46,"url":47},"linkedin","LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Faritokar\u002F",{"id":17,"name":49,"role":50,"roleTodo":26,"bio":50,"bioLong":51,"nmls":52,"phone":53,"email":54,"applicationUrl":55,"photo":56,"photoAlt":57,"primaryContact":58,"social":59},"Danny Tokar","Producing Branch Manager",[],"1098658","(954) 589-3661","Danny@thetokarteam.com","https:\u002F\u002Flo-sites.goldstarfinancial.com\u002F?lar=dtokar","\u002Fstaff\u002FDanny-Tokar.jpg","Portrait of Danny Tokar smiling in a blue and green plaid shirt.",true,[60,62,64],{"id":45,"label":46,"url":61},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fdanny-tokar-2b6572a\u002F",{"id":41,"label":42,"url":63},"https:\u002F\u002Fwww.facebook.com\u002Fdaniel.tokar.1",{"id":37,"label":38,"url":65},"https:\u002F\u002Fwww.instagram.com\u002Flenderdanieltokar\u002F",{},"team",[69,70],"Your goals shape the conversation. Whether you're purchasing your first home, planning your next move, refinancing, or financing an investment property, The Tokar Team helps you make sense of your options and prepare for the next step.","You can expect straightforward answers, updates along the way, and a team that works together to keep your financing moving forward.","The Tokar Team Approach","5tOdoLP0kSwHN-E_LI2015QjNlLGgRKWkBh0N9AU2KA",[74,112,146],{"id":75,"title":76,"body":77,"category":93,"description":94,"es":95,"extension":104,"image":105,"imageAlt":106,"meta":107,"navigation":58,"path":108,"seo":109,"stem":110,"__hash__":111},"resources\u002Fresources\u002Fdocuments-your-file-needs.md","Documents a Loan File Usually Needs",{"type":78,"value":79,"toc":90},"minimark",[80,84,87],[81,82,83],"p",{},"Most purchase and refinance files ask for income, assets, identification, and information about the property. A self-employed borrower is often asked for more than a borrower with a recent W-2.",[81,85,86],{},"This is a pattern, not your checklist. The Tokar Team will help keep the actual list for your file organized once an application is open.",[81,88,89],{},"Do not email account numbers or passwords. If a document is sensitive, ask the Tokar Team how Gold Star wants to receive it.",{"title":26,"searchDepth":91,"depth":91,"links":92},2,[],"The File","The kinds of paperwork a mortgage file often asks for, explained without a promise that your file will match this list.",{"title":96,"description":97,"category":98,"imageAlt":99,"prose":100},"Documentos que un expediente de préstamo suele pedir","Los tipos de papeleo que un expediente hipotecario suele pedir, explicados sin prometer que su expediente coincidirá con esta lista.","El expediente","Una mujer sentada en la alfombra de la sala lee papeles esparcidos.",[101,102,103],"La mayoría de los expedientes de compra y de refinanciamiento piden ingresos, activos, identificación e información sobre la propiedad. A un prestatario independiente a menudo se le pide más que a quien tiene un W-2 reciente.","Esto es un patrón, no su lista. El equipo Tokar ayudará a mantener ordenada la lista real de su expediente cuando la solicitud esté abierta.","No envíe por correo números de cuenta ni contraseñas. Si un documento es sensible, pregúntele al equipo Tokar cómo quiere recibirlo Gold Star.","md","\u002Foffice\u002Flady-papers.jpg","A woman sitting on a living-room rug and reading through scattered paperwork.",{},"\u002Fresources\u002Fdocuments-your-file-needs",{"title":76,"description":94},"resources\u002Fdocuments-your-file-needs","ExHsMjug--baRTg4XMEQlQEA4VRBBY2ubjql0Cnx7eo",{"id":113,"title":114,"body":115,"category":128,"description":129,"es":130,"extension":104,"image":139,"imageAlt":140,"meta":141,"navigation":58,"path":142,"seo":143,"stem":144,"__hash__":145},"resources\u002Fresources\u002Fquestions-before-you-refinance.md","Questions to Ask Before You Refinance",{"type":78,"value":116,"toc":126},[117,120,123],[81,118,119],{},"Ask what the new loan changes: the term, the balance, the monthly payment, or the cash you would receive. Ask what it costs to do it. Ask how long you expect to keep the house.",[81,121,122],{},"A lower payment is not automatically a better loan. A shorter term can raise the payment and still be what you want. The Tokar Team will put those tradeoffs in writing on an application.",[81,124,125],{},"This article does not estimate savings, APR, or break-even time.",{"title":26,"searchDepth":91,"depth":91,"links":127},[],"Refinance","Questions that belong in a refinance conversation, without a savings claim.",{"title":131,"description":132,"category":133,"imageAlt":134,"prose":135},"Preguntas antes de refinanciar","Preguntas que pertenecen a una conversación de refinanciamiento, sin una promesa de ahorro.","Refinanciamiento","Una pareja en un sofá mira junta una computadora portátil.",[136,137,138],"Pregunte qué cambia el préstamo nuevo: el plazo, el saldo, el pago mensual o el efectivo que recibiría. Pregunte cuánto cuesta hacerlo. Pregunte cuánto tiempo espera quedarse con la casa.","Un pago más bajo no es automáticamente un mejor préstamo. Un plazo más corto puede subir el pago y seguir siendo lo que usted quiere. El equipo Tokar pondrá esas compensaciones por escrito en una solicitud.","Este artículo no estima ahorros, APR ni el tiempo para recuperar el costo.","\u002Ffamily\u002Fyoung-couple-laptop.jpg","A couple on a sofa looking at a laptop together.",{},"\u002Fresources\u002Fquestions-before-you-refinance",{"title":114,"description":129},"resources\u002Fquestions-before-you-refinance","WNsapZlRtI4aPqdaHzF8vj9c2PYk6ML8t4tq5HfYWs0",{"id":147,"title":148,"body":149,"category":162,"description":163,"es":164,"extension":104,"image":173,"imageAlt":174,"meta":175,"navigation":58,"path":176,"seo":177,"stem":178,"__hash__":179},"resources\u002Fresources\u002Fwhat-to-expect.md","What to Expect Before You Apply",{"type":78,"value":150,"toc":160},[151,154,157],[81,152,153],{},"A first conversation is not an application. You can ask how the process works, who will call you, and which documents usually come next.",[81,155,156],{},"Have a price range or a payment range in mind, and know whether the home will be a primary residence, a second home, or an investment. If you are not sure, say that.",[81,158,159],{},"Danny Tokar is Producing Branch Manager and Ari Tokar is Branch Operations Manager. Nothing you read here is an approval or a rate.",{"title":26,"searchDepth":91,"depth":91,"links":161},[],"Getting Started","A short checklist for a first conversation with the Tokar Team. No credit pull and no rate quote.",{"title":165,"description":166,"category":167,"imageAlt":168,"prose":169},"Qué esperar antes de solicitar","Una lista breve para una primera conversación con el equipo Tokar. Sin consulta de crédito y sin cotización de tasa.","Para empezar","Dos niños sentados en cajas de mudanza de cartón; uno sostiene un letrero de vendido.",[170,171,172],"Una primera conversación no es una solicitud. Puede preguntar cómo funciona el proceso, quién lo llamará y qué documentos suelen venir después.","Tenga en mente un rango de precio o de pago, y sepa si la casa será vivienda principal, segunda vivienda o inversión. Si no está seguro, dígalo.","Danny Tokar es gerente de sucursal productor y Ari Tokar es gerente de operaciones de sucursal. Nada de lo que lea aquí es una aprobación ni una tasa.","\u002Ffamily\u002Fsold-boxes.jpg","Two children sitting in cardboard moving boxes, one holding a sold sign.",{},"\u002Fresources\u002Fwhat-to-expect",{"title":148,"description":163},"resources\u002Fwhat-to-expect","-9L2rAazEXRfwzsD8iEDcsRjHFzvdELMB5VD4bWXcvQ",1793200165506]