History has shown that real estate is one of the strongest long term
investments. Here are a few reasons why:
Opportunity Costs (example: the money that would be lost making
rent payments.)
So how can you maximize the return on your investment and enjoy the
most for your dollar? Step one is to examine your financial status
with a mortgage "pre-qualification," or you may wish to be pre-approved.
The painless process of pre-qualification can
be completed by filling out the form below, however; to obtain the
strongest
position, one should obtain a
pre-approval. The difference? A pre-qualification is based only
on the information that you supply. A pre-approved loan has
been through all of the credit analysis steps.
After the information is verified, the lending institution will
notify you in writing.
With a pre-approved loan, you need only to
find the right home.
Why not put yourself into the strongest
negotiating position?
If you would like to start the
pre-approval process, continue on with the pre-qualification:
Pre-Qualification Form
Assets
Your family -- please enter the number
of
individuals (including yourself) in your
household
Please enter the dollar value of liquid
assets -- monies that have been in a bank account for longer than 3 months.
Semi-liquid assets --
stocks, bonds, cd's or other securities.
Dollar value of real estate for sale
(if any)
Value of any other real estate
Value of any personal property
you have for sale -- car, boat, etc.
Projected assets to be received
-- if you expect to receive a gift from a relative,
an inheritance, an insurance settlement or other monies please indicate
the dollar value and a brief description of the source.
Income
Yourself
Your primary income is derived from
Have you received a steady income from this source for
Less than two years
More than two years
Enter the dollar amount of your annual
base income. (Please do not include any overtime, bonuses, or other income
here.)
Enter the dollar amount of any other
income and a brief description of where it comes from (overtime, second job, dividends,
interest, social security, pension plan, etc.)
Your Spouse (or co-person)
Please enter any other individual's name you
wish to consider in your plan, and their relationship to you (husband, wife,
mother, etc.)
Their income is derived from
Has your co-person received a steady income from this source for
Less than two years
More than two years
Enter the dollar amount of your annual
base income. (Please do not include any overtime, bonuses, or other income
here.)
Enter the dollar amount of any other
income and a brief description of where it comes from (overtime,
second job, dividends,
interest, social security, pension plan, etc.)
Is there anything else relevant to income?
Liabilities
Monthly auto payment
Monthly minimum required credit card payments
(Even if you pay all credit cards in full each month, try to add together
the "minimum payments" required by each company.
The balance on any mortgage to be
paid-off.
The monthly payment (including taxes,
insurance, mortgage insurance, association fees) on any mortgage that will
not be paid-off.
Any other monthly installment debt or
court ordered obligations
(like personal loans, child support, etc.)
Well, that wasn't so bad was it? With this information, we can work as a
team to devise a solid plan for your immediate and longer term goals.
Please press the "submit" button. Depending on your desires and the
complexity of your plan, we will contact you as soon as possible.
Do you prefer to be advised of the results via:
E-Mail
Phone
Thank you.