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Confidential Mortgage Application

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 Information:

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 $

Previous Address:
City:
State/Province:
Zip Code/Postal Code:


Marital Status: Married
Separated
Unmarried (including single, divorced, or widowed)


Occupation:
(Position & Title)
# of years:
Place of Employment:
(Name & Address)
Previous Employer:
(Name & Address)
Co-Borrower Information:

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

or Own $

If same as borrowers address
Previous Address:
City:
State/Province:
Zip Code/Postal Code:


Marital Status: Married
Separated
Unmarried (including single, divorced, or widowed)

Occupation:
(Position & Title)
# of years:
Place of Employment:
(Name & Address)
Previous Employer:
(Name & Address)
Gross Annual Income:


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
Number of Children:
Ages:
Other Dependents:

Assets:

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):

Liabilities:

(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

Agency Representation Disclosure
Agency Representation & Blanket Authorization By Submission I hereby understand that the Blackwood Team and/or their Agents represent the Seller(s) of real Property in which buyer(s) may consider for purchase. By submitting this information, I hereby authorize the Blackwood Team, their affiliates, assigns and/or any credit reporting bureau which it may designate; permission to obtain any and all information concerning my/our employment, checking and/or savings accounts, obligations, and all other credit matters, including a credit report. This information is to be used in an effort to secure financing options for a home and/or property purchase. I hereby acknowledge that I/we are not working with any other Realtor. My/our desire is to work with an agent of the Blackwood Team. This authorization includes, but is not limited to information contained in my request for a loan, past and/or present employment history, past and/or present income records, credit explanation, bank account(s), stock holding, assets and /or liability balances, past and/or present landlord references consumer credit references, etc. I understand that under Right to Financial Privacy Act of 1978, 12 U.S.C. 3401, et seq., the Blackwood Team shall be authorized to access my/our Financial records held by any and all finanicial institutions in connection with the consideration or adminstration of assistance to me/us. I further understand that the entire record involving my/our loan and loan application will be available to authorization shall be accepted as valid as an original document of authorization shall be accepted as valid as an original document of authorization. It shall be reproduced or photocopied and a facsimile or photocopy shall be accepted as valid as an original document of authorization.
I agree to the above:
I do not agree to the above		 Yes
No