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OnLine Loan Application - The personal loan
application tracker
allows you to fill out your loan information when you are ready. You
can start the application and complete the different sections at your
convenience.
The loan information is entered over a secure
connection and is maintained by a professional secure data management site.
Make sure you enter your correct contact information,
so we can contact you to
get any missing data.
Press the
OnLine Loan Application
button and select
Apply for a Loan .
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Calculators - There are several useful financial calculators
to assist you in determining which loan option is right for you.
Press
Calculators
and choose from the many different tools.
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Mortgage Rate Shopping - You can shop the rates
to get an idea of what the costs and interest rates are for many loan
products (Fixed 15/30, ARM 1/3/5/7, etc).
The rates used to shop here do not include all special rates and
discounts available throuh our hundred of lenders. Our Mortgage Loan
Brokers will assist you in choosing a loan product that will meet
your needs and find the lender with the best product at the time
you are ready to submit your loan application.
Press the
Mortgage Rate Shopping
button and select
Shop Rates .
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Mortgage Broker Service
It pays to have one of our Mortgage Brokers check with several
lenders and find the loan that best meets your needs.
Finding the best loan for you depends on more than just
finding who offers the best rates and has the lowest fees.
Factors such as
- How Quickly The Loan Needs To Fund
(We can close loans very quickly.)
- Qualifying Debt-to-Income Ratio (varies between lenders)
- Credit History
(we can get your report and work with you to improve your credit)
- Gross Income and Amount of Documentation (many have less paperwork and easier
qualifying documentation - Ask about our Stated Income and No Doc loans)
- Cash Available for Down Payment
(Check with us for
the Lenders who are offering Zero Down 100% financing oans)
- Cash Reserves Required By Lender
- Pre-Payment Penalty (if any)
Our mortgage brokers have relationships with the top lenders
and can usually find a loan no matter what your situation is.
We work with clients who have unique credit situations
and our lenders offer many specialized products for both
good and bad credit candidates.
- If the you prefer not to use the OnLine Application, we can send
you a package containing the Application Form and some loan
information to help you obtaining your financing.
Use our
Send A Message
button or
Send an Email to jeannie@onlinehomeservices.com to request
a Loan Application Package be sent to you.
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Buyer Pre-Approval / Pre-Qualify Service
- If you are preparing to submit an offer, you will
need a Lender Pre-Approval Letter which states that we
have reviewed your credit and finances and have found
a lender who
will approve you for a loan for a specified amount,
providing that
the information we were given is correct.
Buyers should go ahead and
enter an OnLine Loan Application and send us a request a Pre-Approval Letter
when shopping for a home since most sellers will not accept
an offer without it.
Please go ahead and fill out an OnLine Application and use our
Send A Message
button or
Send an Email to jeannie@onlinehomeservices.com
stating that you would like a Lender PreApproval Letter
for purchasing a home.
Although you will need to provide a property
address and sales price, it does not have to the specified property
that you decide to purchase. It just needs to
be at or below the same sales price.
- You can use the
OnLine Pre-Qualify tool to see
what amount you may be able to
get a loan for but it does NOT mean that you have been pre-approved.
Press the
OnLine Loan Application
button and select
Pre-Qualify.
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Mortgage Manager Service -
is a free service we offer to assist home owners who want to refinance when the
time is right. The Mortgage Manager will watch the mortgage rates and notify you
when the lender rates are low enough to make refinancing more attractive.
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