Confidential Mortgage Pre-Qualification

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 entirely wrong, putting themselves at an overwhelming disadvantage!

Let's look at this from the Sellers 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 with Certificate of Financing Approval or the one that was still conditional on Financing? The answer is obvious. Why then, do so many buyers wait to start the financing until after they have found the home?

What I have found is that those buyers are usually very good, qualified buyers and are not worried about getting approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.

Lastly, from a cost savings perspective...

As a prospective purchaser, it makes all the more sense to start the financing 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 any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints.

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

All Applicable Information is Required for us to process Your Request!

Borrower Information:
	Borrower (Full Name): First: Middle: Last: Date of Birth: (ex. dd/mm/yyyy) Soc. Security Number: Evening Phone Number: Daytime Phone Number: Fax: E-mail Address Present Address: City: State: [Select State] Alabama Alaska Arizona Arkansas Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Okalahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming Zip Code: Years at Present Address:       You are a:  Renter     Owner       Your monthly payment is: $ /month Previous Address: City: State: [Select State] Alabama Alaska Arizona Arkansas Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Okalahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming Zip Code: Years at Previous Address: Marital Status: Married Separated Unmarried (including single, divorced, or widowed) Occupation: (Position & Title) Number of years: Place of Employment: (Name & Address) Previous Employer: (Name & Address)
Co-Borrower Information:
	Co-Borrower (Full Name): First: Middle: Last: Date of Birth: (ex. dd/mm/yyyy) Soc. Security Number: Evening Phone Number: Daytime Phone Number: Fax: E-mail Address If same as borrowers address Present Address: City: State: [Select State] Alabama Alaska Arizona Arkansas Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Okalahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming Zip Code: Years at Present Address:       You are a:  Renter     Owner       Your monthly payment is: $ /month If same as borrowers address Previous Address: City: State: [Select State] Alabama Alaska Arizona Arkansas Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Okalahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington Washington DC West Virginia Wisconsin Wyoming Zip Code: Years at Previous Address: Marital Status: Married Separated Unmarried (including single, divorced, or widowed) Occupation: (Position & Title) Number 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 Income: Description:     Amount: $ $ Total: $ $

Assets:
	Checking: $  Bank: $  Bank: Savings: $  Bank: $  Bank: Credit Union: $  Bank: Stocks: $ Bonds: $ Life Insurance: $ IRA/401k Accounts: $ Present Residence: (If Owned) Market Value: (Estimated) $ Mortgage. Payoff: $ Lender:    Other Assets (Specify):

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 Min. Monthly Payment $ $ $ $ $ $ $ $ $ $ Total:   $ $ Additional Monthly Obligations: Alimony:  $ Child Support:  $ Child Care:  $ Are There Any Judgements or Lawsuits Present?   Yes   No Amount:  $

Miscellaneous:

Is Any Part of the Down Payment or Settlement Costs Being Obtained From a Source Other Than From Assets Listed Above? Yes   No If Yes, Please explain: Do You Intend To Occupy This Property?    Yes    No Number of Children:      Ages: Other Dependents: I hereby give my consent to have my credit report secured from any credit reporting agency which you designate.    Yes   No I hereby give my consent to have my confidential information delivered to any mortgage lender which you designate.    Yes   No

    

By clicking Submit you are requesting that your information be examined for Mortgage Pre-Approval.
Your information will be regarded as STRICTLY CONFIDENTIAL.
If you have given consent, copies of your credit report may be secured.
If you have given consent, your information may be shared with mortgage lenders.

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John M. Gregory
Real Estate Consultant
Making Real Estate, Real Easy!

   
Copyright © 2002 - John M. Gregory - All Rights Reserved
Last modified: Friday December 20, 2002