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.

Borrower (Full Name):
Date of Birth:	(ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
Present Address:
City:
State/Province:
Zip/Postal Code:
Email Address:
Years at Present Address:		Rent $		/month
		or Own $		/month
Previous Address:
City:
State/Province:
Zip/Postal Code:
Marital Status:	Married Separated Unmarried
Occupation: (position & title)
# of years:
Place of Employment: (Name & Address)
Previous Employer: (Name & Adress)
Co-Borrower (Full Name):
Date of Birth:
Soc. Security #:
Residence Phone #:
Business Phone #:
if same as borrowers address
Present Address:
City:
State/Province:
Zip/Postal Code:
Email Address:
Years at Present Address:		Rent $		/month
		or Own $		/month
if same as borrowers address
Previous Address:
City:
State/Province:
Zip/Postal Code:
Marital Status:	Married Separated Unmarried
Occupation: (position & title)
# of years:
Place of Employment: (Name & Address)
Previous Employer: (Name & Adress)
	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 This Property ?
	Yes: No:	Yes: No:
Number of Children:
Ages:
Other Dependents:
Checking:	$	Bank:
	$	Bank:
Savings:	$	Bank:
	$	Bank:
Credit Union:	$	Bank:
Stocks:	$
Bonds:	$
Life Insurance:	$
Present Residence (If Owned):
Market Value:	$
Morg. Value:	$
Lender:
Other Assets (specify):
(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: