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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

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Borrower (Full Name)*

Best number to reach you *

Email Address *

4029

Enter the number from the white box*

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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.

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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

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

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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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Credit Q&A

When qualifying for a home loan, what is a “soft-credit report” and how is this different from a “triple-credit report” or “trimerge report”? read more..

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

When is it recommended to pull a “triple-credit report” or “trimerge report”?

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

How do I request my free credit report every 12 months for free?

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

How do I get my score higher? What impacts my score

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

What is the recommended score needed to qualify for loan programs?

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

How can I boost my score? What if I find out that something is hurting my score? How long does it take to update, and is there a chance I can get this updated FASTER, so that it does not affect me to buy a home TODAY?

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.

How do I request a “fraud alert” be placed on my file?

These terms mean the same and refer to a credit report with all three scores included. This is recommended if things are getting more serious and one of the following events have happened. First, would be if we pulled a soft-credit report and your score is near the 680-700 FICO point range. This is a range that changes loan programs completely if you are slightly above or below this. So we want to pull a full 3 bureau report in order to give credit advice to keep your score higher and improve your interest rate and/or loan program. The second reason would be if you have a lingering collection or derogatory late payment that you wanted to get removed. A trimerge report offers guarantees, options and data on how to remove collections and how many points you will receive if something is updated or deleted. The last reason, would be if you have an accepted offer, or if you have decided to move forward with a refinance, then it is required that we have one trimerge report and you need one you are close to getting an offer accepted, or are on the border-line of a program due to your FICO score.