Mortgage Aksing Form

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Privacy, accuracy and efficiency is our promise for any conversations via telephone or online chat.  Our proficient and experienced consultants can analyze your credit, income and assets quickly, so you can have an approval before the end of today. Customer satisfaction is our highest priority. Meet The Team

The team at Mares Mortgage
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3-Minute Pre-Approval Application Form

Getting started is simple. Complete our easy application and a loan officer will contact you with a decision — no strings attached.

Step 1 of 4

Secure Form

Borrower (Full Name)*

Best number to reach you *

Email Address *

2487

Enter the number from the white box*

* Indicates a Required Field

Continue to complete long form
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3-Minute Pre-Approval Application Form

Getting started is simple. Complete our easy application and a loan officer will contact you with a decision — no strings attached.

Step 2 of 4

Secure Form

Birthdate

Years at Address

ZIP *

Social Security

Street Address *

City *

State *

* Indicates a Required Field

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3-Minute Pre-Approval Application Form

Getting started is simple. Complete our easy application and a loan officer will contact you with a decision — no strings attached.

Step 3 of 4

Secure Form

Employer (or Self Employed) *

Work Phone *

Position or Occupation *

Gross Monthly Salary *

Years at this position

Source of Other Income

Other Monthly Income

Current Mortgage Payment or Rent *

Approximate Checking/
Savings Balance

Current Home Purchase Price

Current Home Market Value

How’d you hear of us

  • “Mares Mortgage to run credit ext”.

* Indicates a Required Field

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3-Minute Pre-Approval Application Form

Getting started is simple. Complete our easy application and a loan officer will contact you with a decision — no strings attached.

Step 4 of 4

Secure Form

Add Co-Borrower

By submitting this form, I authorize Mares Mortgage to obtain my/our credit report for the purpose of determining credit worthiness. The information that is obtained is strictly confidential. A photocopy, email, or facsimile of this authorization may be deemed to be the equivalent of the original.

X

3-Minute Pre-Approval Application Form

Getting started is simple. Complete our easy application and a loan officer will contact you with a decision — no strings attached.

Step 4 of 4

Secure Form

Co-Borrower (Full Name)

Email Address

Business Phone

Position or Occupation

Years at the Position

Birthday

Social Security

Gross Monthly Salary

Other Monthly Income

Source of Other Income

Approximate Checking/Savings

<< Back

By submitting this form, I authorize Mares Mortgage to obtain my/our credit report for the purpose of determining credit worthiness. The information that is obtained is strictly confidential. A photocopy, email, or facsimile of this authorization may be deemed to be the equivalent of the original.

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Thank You

Thank You! Your application was submitted successfully

We will respond with in the hour, and an approval within 24 hours.

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Conventional and Jumbo Loans

Conventional, Jumbo and FHA Financing in 30 days or less is not a promise but a guarantee.
As a Direct Lender, we will issue Approvals within 48 hours, 7 days a week.

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Interior Designs by Lindye Galloway Design

Conventional Loans

Conventional loans have terms and conditions that follow the guidelines set forth by Fannie Mae and Freddie Mac. Because of the ever changing mortgage market and recent economic issues, many of the loans being funded within “conforming limits” are being purchased by Fannie Mae and Freddie Mac, meaning less than $625,000, or lower in some areas. In other words, the guidelines, loan limits and underwriting standards have all been standardized by the agencies (Fannie Mae and Freddie Mac). Conventional loans utilize an automated underwriting system and loan approvals are based on many factors including: credit history, down payment, property type, employment history, assets and property value.

There are many factors involved in qualifying for a conventional loan including the amount of down payment required. Down payment requirements can range from 5% to 25% (95% loan to value to 75% loan to value) depending on the area of the country you live in, your individual financial profile, and the type of property you are purchasing or refinancing:

  • Primary Residence
  • Second Home
  • Investment Property

Conventional loans with a combined loan to value over 80% must have Mortgage Insurance (MI). MI rates and loan interest rates for a conventional loan are based on your credit history, the type of property you are purchasing, and the amount of down payment. Loan programs available for conventional loans include:

  • Fixed rate mortgages (10, 15, 20, 25 and 30 year terms) – FLEX TERMS AVAILABLE – meaning you can choose 27 years or 23 years, etc. if necessary.
  • Interest only mortgages (available in certain circumstances)
  • Adjustable rate mortgages (3 year, 5 year, 7 year and 10 year fixed periods)

Contact a Mares Mortgage Consultant today to find out what options are available for you or apply now.

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Jumbo Loans

Jumbo loans are available to both purchase and refinance customers looking to obtain financing for loan amounts that exceed $625,000 as set by the agencies of Fannie Mae and Freddie Mac. The average interest rate on a jumbo loan is typically higher than that of a conventional conforming loan due to the higher risk associated with the larger loan size. Since 2010 we have stepped up by offering Platinum Programs with greater flexibility in underwriting and lower interest rates. Guidelines on jumbo loans are generally more restrictive compared to that of their conforming counter-parts. Loan To Value (LTV) limits will be lower while credit and FICO requirements will generally be higher.

Some general guidelines for jumbo loans include:
  • Loan amounts up to $4 million (though LTVs will vary)
  • FICO scores to exceed 700
  • Fixed rate and ARM programs are available
  • Purchase, and Rate and Term and Cash-Out Refinance transactions are possible

Guidelines vary from program to program and must be confirmed by a Mares Mortgage Consultant for each individual mortgage application.

Contact a Mares Mortgage Consultant today to find out what options are available for you or apply now.

Apply Now