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Obtain the Best Rates & Lowest Closing Costs

When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. In a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. In such a crazed seller's market, it's not uncommon for a home seller to receive multiple offers on their property. With that said; there are certain things you can do to make certain that your offer is the one Seller goes with.

The vast majority of Purchaser's today go about the process in reverse, putting themselves at an overwhelming disadvantage!

Look at it from the seller's perspective for a moment. If you were the Seller and had multiple offers on your property, all things being equal, would you accept the one that is pre-approved or the one that is contingent upon obtaining financing? Obviously the seller will choose to sell to the buyer that is pre-approved. It is ironic that so many buyers wait to start the financing until after they have found the home of their dreams only to see it fall through their fingertips because their financing wasn't in place and another offer came in at the same time from a pre-approved buyer. Although many of these buyers can easily qualify for the home they are looking at, the seller may not know this and has no guarantees.

From a cost savings standpoint, doesn't it make all the more sense to start the financing process early on so you can get a firm handle on your interest rate and estimate of points and closing costs. If you do this before finding a home, you are not under time constraints to get your loan approved and are less likely to over pay like a buyer who has found a home and is under rigorous time constraints. Plus by locking in your rate you can assure yourself that even if the interest rates rise you'll be "locked in" safely.

Should you decide that you wish to take advantage of our FREE Pre-Approval, simply complete the confidential mortgage application below. We will attempt to locate the best mortgage rate and lowest closing costs possible and process your application without any cost or obligation.

Borrower Information
Borrower (First Name):
Borrower (Last Name):
Date of Birth: ex. MM/DD/YYYY
Social Security #:
Residence Phone:
Business Phone:
Present Address:
City/State/Zip: ,
Email Address:
Years at Present Address:
Rent    $ per month
Own    $
Previous Address:
City/State/Zip: ,
Marital Status:
Occupation: (position & title)
# of Years:
Place of Employment: (name & address)
Previous Employer: (name & address)
 
Co-Borrower Information
Co-Borrower (Full Name):
Date of Birth: ex. MM/DD/YYYY
Social Security #:
Residence Phone:
Business Phone:
Present Address:
City/State/Zip: ,
Email Address:
Years at Present Address:
Rent    $ per month
Own    $
Previous Address:
City/State/Zip: ,
Marital Status:
Occupation: (position & title)
# of Years:
Place of Employment: (name & address)
Previous Employer: (name & address)
 
Gross Annual Income
  Borrower Co-Borrower
Self Employed? Yes   No Yes   No
Base Salary: $ $
Overtime: $ $
Bonuses: $ $
Commissions: $ $
Dividends: $ $
Net Rental Income: $ $
Other: $ $
Total:  $ $
Do You Intend to Occupy the Property? Yes   No
# of Children:
Ages:
Other Dependents:
 
Assets
Checking: $ Bank:
$ Bank:
Savings: $ Bank:
$ Bank:
Credit Union: $ Bank:
Stocks: $
Bonds: $
Life Insurance: $
Present Residence (if owned)
Market Value: $
Mortgage Value: $
Lender:   
Other Assets:   
Liabilities
(List outstanding obligations including auto loans, mortgage payments, credit cards, personal loans, and all other loans.)
Type Creditor's Name Unpaid Balance Due Date Monthly Payment
$ $
$ $
$ $
Total:  $ $
Additional Monthly Obligations
Alimony:
Child Support:
Child Care:
Are There Any Judgements or Lawsuits Present? Yes   No
Amount:
Is Any Part of the Down Payment or Settlement Costs Being Obtained From a Source Other Than From Assets Listed Above? Yes   No
I hereby give my consent to have my credit report secured from any credit reporting agency which you designate. Yes   No
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