Click on the ? sign located on the right of each field to read specific instructions.

As soon as you save the record we will send you a Confirmation Email.Please check your Inbox/Spam or Junk Folder for our email
   
 
E-MAIL
 
* Email
 
 
INCOME
 
Borrower Income(Gross Yearly) 1. You need to have a 2 year employment history 2. Gaps over 6 months need to be explained later. 3. Wage Earner Income generally consists of Base Pay(Fixed or hourly) ,bonus,overtime ,commissions and other allowances.Calculate your income as follows Current Fixed Base Pay or Average Hours Worked in the last 6 months X Current Hourly Rate. 4. Then Add the average of last 2 years Bonus+ Overtime + Commissions + Other Allowances Receive..Do average this over two years.Enter the numbers against the Borrower and CoBorrower ,if any. 5. For self employed individuals you will need to average the last 2 years Net Taxable Income( Amount After adjusting expenses on which you paid your taxes) .You are allowed to add back the depreciation charged in your accounts to arrive at Net Taxable Income. Employed(Last 2 Yrs)  Self Employed
CoBorrower Income(Gross Yearly) 1. You need to have a 2 year employment history 2. Gaps over 6 months need to be explained later. 3. Wage Earner Income generally consists of Base Pay(Fixed or hourly) ,bonus,overtime ,commissions and other allowances.Calculate your income as follows Current Fixed Base Pay or Average Hours Worked in the last 6 months X Current Hourly Rate. 4. Then Add the average of last 2 years Bonus+ Overtime + Commissions + Other Allowances Receive..Do average this over two years.Enter the numbers against the Borrower and CoBorrower ,if any. 5. For self employed individuals you will need to average the last 2 years Net Taxable Income( Amount After adjusting expenses on which you paid your taxes) .You are allowed to add back the depreciation charged in your accounts to arrive at Net Taxable Income. Employed(Last 2 Yrs) Self Employed
 
 
MONTHLY PAYMENTS
 
Combined Auto Payments(Monthly) 1)All Auto Payments for the Borrower and CoBorrower 2)Please enter the Combined Monthly payments. Auto Loan Monthly Payment(<10 Payments Left) 1)If Borrower or CoBorrower has auto loans that will be paid off in 10 months or less ,please enter the corresponding Monthly Auto Loan payments here.
Combined Credit Card Payments (Monthly) 1) Monthly Payments for Credit Cards for Borrower and CoBorrower go here 2)This column only requires the MINIMUM monthly payments and not what you pay per month. 3) DO NOT enter monthly payments for cards you pay in FULL every month. Pay in Full 1)If you pay your credit cards in full every month indicate it here.
Other Instalment Loan Payments(Monthly) 1)The following monthly instalments go here a)Child Support b)Credit Line or Instalment loan payments not considered above c)Student loans d)Only MONTHLY payments need to be entered here.    
 
 
CURRENT RENTALS
 
Rental Homes(Combined Monthly Rent Received) 1) ALL YOUR RENTAL HOMES a) Please enter the combined monthly RENT here Rental Homes(Combined Monthly Mortg. Pmts) 1)Please enter the following combined MONTHLY payments for ALL YOUR RENTAL HOMES a)First Mortgage b)Second Mortgage ,if any c)Monthly pro rated taxes d)Monthly prorated insurance e) Monthly HOA ,if any.
 
 
PAYMENT HISTORY
 
How we Look at Derogatory Credit
 
Lates(12 Months) 1) Check this box if you had a 30/60/90/120 day late reported on any Credit Card or Auto Loan or Instalment Loan on your CREDIT REPORT in the LAST 12 MONTHS. Collection/Chargeoff Accounts 1) Check this box if you have unpaid/unsettled CHARGE OFFS/COLLECTION accounts reporting on your credit.        
Unpaid Tax Liens/Judgements 1)Check this box if you have UNPAID or NOT SATISFIED Tax liens and/or Judgements reporting on your credit. Tax Liens/Judgements Balance Please enter the OUTSTANDING BALANCE of any Tax Liens and /or Judgements Payment Plan Please CHECK this Box if you have a PAYMENT PLAN with the IRS or a CREDITOR, ONLY for OUTSTANDING TAX LIENS and/or JUDGEMENTS. Tax Lien/Judgement Monthly Pmt If you do have a PAYMENT PLAN enter the amount you pay monthly for outstanding TAX LIENS and/or JUDGEMENTS.
BK CHECK this BOX if you filed a BK in the last 7 years. Type Status Date 1) In the case of you filed a chapter 13 enter the FILING date in the status date 2)In case you filed a chapter 7 enter the DISCHARGE date in the status date.
Foreclosures/Short Sales CHECK this box if a foreclosure or short sale was filed in the last seven years. Status Date Please enter the date you the Bank showed the property as a foreclosure or the date the Bank accepted the short sale      
 
 
CREDIT
 
Our Credit and Down Payment Requirements
 
* Borrower Estimated FICO 1) This is your FICO score that you are aware of as informed by a Credit Reporting agency or an entity who did a credit check on you.(Normally FICO scores are between 300-800) Co Borrower Estimated FICO 1) This is your FICO score that you are aware of as informed by a Credit Reporting agency or an entity who did a credit check on you.(Normally FICO scores are between 300-800)        
Borrower Rated Credit CoBorrower Rated Credit        
 
 
PROPERY INFO
 
Property Address This is the address of the property to be refinanced  
City City the Property to be financed is located in. State Zip 
Home Type Occupancy Loan Type
 
 
REFINANCE SPECIFIC
 
Home Value(Estimate OK) Addtl. Cash Desired 
1st Mortgage Balance 1st Mortgage Payment
1st Rate 1st Term
2nd Mortgage Balance 2nd Mortgage Payment
 
 
TAXES and INSURANCE
 
Included in Mortgage If your Mortgage payment includes Taxes and Insurance ,please check this box.        
Monthly Taxes Monthly Insurance Monthly HOA Enter your Monthly HOA payment here
 
 
ASSETS
 
Retirement Funds Please include any retirement accounts such as 401K/IRA/SEP/Pension funds that are vested and liquid. Stocks Please include any Stock/Brokerage accounts. Bank Accounts
 
 
CONTACT
 
Borrower Name Borrower Social Marital Status  Current Status
Co Borrower Name CoBorrower Social Marital Status     
Street Address            
City State  Zip    
Preferred Phone Type        
Alt Phone Type        
Best Time Preferred Contact         
Broker Code            
 
 
* Required Fields