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Although
we use the latest computerized technology in approving and processing
loans we have found that people still prefer the "old fashioned"
way of making the actual loan application. They prefer to sit
down and talk to a real live person who can make them feel comfortable
by explaining all the steps, ramifications and options. . .
which
is just as well since a mortgage application and the subsequent
loan processing is so much more detailed than a car or credit
card application.
If
your time does not permit a personal visit loan applications can
also be taken over the phone, by fax or email.
Regardless
of how you choose to make your application here is the paperwork
needed to make the application and loan processing go faster and
smoother. Click the links below to download payment factors, learn
what info is need for a successful loan and/or download an actual
loan application and all the associated paperwork.
download
a pdf file of P&I PAYMENT FACTORS (letter size)
ROAD
MAP FOR LOAN APPLICATION
download INFO NEEDED FOR A SUCCESSFUL
LOAN (letter size)
Some
of these files were created in Windoze instead of on my Mac and
Windoze won't let me create the files without a password so if
you download a file that requires a password that password is
loan
- all lower case
COMPLETE
LOAN APPLICATON PACKAGE
download a printable pdf of
a COMPLETE PACKAGE
This
is a large download and includes all the normal forms
you need for loan application.
If
you have a slow connection you might choose to download
the forms individually. To download individual forms click
on the Loan Application to the right and then go to the
bottom of this page and also download the Governmental
Forms.
If
you need more room you may download some Extra pages of
most sections below.
Most
of these forms are letter size but 3 are legal size
**This
option does not work at this moment. Due to high demand
I had to post this page before I had all of the PDF files
compiled. So for now you will have to download them one
at a time.
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INSTRUCTIONS:
Leave the first section of the loan app about the property
& loan amounts blank, we will fill that in from the
contract, title work and appraisal data.
Fill
in the sections on address history, work history and income
(unless you have an unusual income stream).
Leave
blank the section on assets and credit. We will fill them
in from data on your bank statements and credit report.
IMPORTANT!
We will still need to send you a Good Faith Estimate and
a Truth in Lending Statement. By law we must get this out
to you within 3 days of the time you date the loan application
or else we must start all over again. This
means you need to either:
1)
not date the app and we'll date it when we receive it
OR
2) date it and don't dilly dally around - overnight the
package back to us!
Do
whichever way makes you feel the most comfortable. |
IF
ALL YOUR INFO WON'T FIT ON THE STANDARD LOAN APPLICATION
then you might need to download one or more of these next pages
download
a printable pdf file of EXTRA Employment History
This is used only if either of you have had
more than 4 jobs in the past 2 years
download
a printable pdf file of EXTRA Credit History
This is used only if either of you have more
than 7 open pieces of credit - this is the same page as the EXTRA
Assets page.
Odds are you won't need this page as we will just take
your credit directly from your credit report so we will print
however many pages we need and then mail them to you for signature
download
a printable pdf file of EXTRA Assets
You will only need this page if you have more
than 3 depository institutions - this is the same page as the
EXTRA Credit page.
download
a printable pdf file of EXTRA Real Estate Owned
You will only need this page if you have more
than 3 rental properties
download
a printable pdf file of EXTRA Blank page
For any Extra information not covered by the
forms above like Address History
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