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Financing

Obtain the Best Rates and Lowest Closing Costs

Free Pre-Approval

handful-of-moneyWhen 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 a weak market if you appear as a strong buyer with approved financing the seller is more likely to accommodate your specific needs.

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 offer with Certificate of Financing Approval or the one that was still conditioned on Financing? The answer is obvious. Now if you're the seller with only one offer, are you likely to reduce the price of your home to a buyer that maybe doesn't qualify. Why then, do so many buyers wait to start the financing until after they have found the home?

What I have found is most buyers wait because they know their credit history and are not worried about qualifying. What buyers don't realize, pre-approval is for the benefit of the Seller.

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, estimate of points and closing costs. If you do this before finding a home, you will be better prepared to meet all the deadlines, and most importantly, make a successful purchase offer.

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.

 


Borrower Information:

Please complete all fields. (Note: * = required field.)
Borrower (Full Name):
Date of Birth: (ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
Present Address:
City:
State/Province:
Zip Code/Postal Code:
*E-mail Address
Years at Present Address: Rent $ /month
or Own $

Co-Borrower Information:
Co-Borrower (Full Name):
Date of Birth: (ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
Present Address:
City:
State/Province:
Zip Code/Postal Code:
E-mail Address
Years at Present Address: Rent $ /month
or Own $

Gross Annual Income:
Borrower Co-Borrower
Self-Employed ? Yes     No Yes     No
Gross Monthly Income: $ $

Liquid Assets:
Checking: $ Bank:
$ Bank:
Savings: $ Bank:
$ Bank:
Other Assets (Specify):
Do You Intend To Occupy This Property ? Yes    No
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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