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 *

1265

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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FHA/VA

Our efficiency with government programs allows our clients to spend less time on the home loan approval and more time on finding their dream home.

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Interior Designs by Lindye Galloway Design

Yes! We love Government Loans

FHA Defined: An FHA loan is a home mortgage that allows for a purchase or refinance of a primary residence with a low down payment and is insured by the Federal Housing Administration. FHA’s mortgage insurance programs help families become homeowners by lowering the cost of financing and the down payment barrier to buying. FHA loan limits vary by county.

Some of the benefits include:

Down payment requirements can be low

In contrast to conventional mortgage products, which frequently require down payments of 5% to 20% depending on your credit history, FHA makes it possible to reduce your down payment to as little as 3.5% on numerous type of properties. These Mortgages are insured by FHA which allows borrowers to finance approximately 96.5% of the value of their home purchase in many cases. Borrowers can make the down payment with a gift.

The down payment can be 100% gift funds from a family member or in some cases a charitable organization. This is one of the key benefits to the FHA program. Verification of the source of gift money is required. It is necessary that the gift funds be deposited in the borrower’s bank, or in an escrow account, prior to underwriting approval. Proof of deposit is required. Cash gifts are not allowed.

Borrowers Can Co-sign and Not Occupy the Property

Verification of a co-signer who does not live in the property is simple. If you need a little financial push to qualify it can be a good strategy to add your mom, dad, family member or close friend to co-sign on your home loan so you can buy the home you want. Typically we can remove the co-signer from title within 30-60 days, and from the home loan within a year.

FHA Streamline Refinances

FHA has permitted streamline refinances on insured mortgages since the early 1980s. “Streamline” refers only to the amount of documentation and underwriting that needs to be performed by the mortgage company.

The basic requirements of a streamline refinance are:
  • The mortgage to be refinanced must already be FHA-insured.
  • The mortgage to be refinanced should be current (not delinquent).
  • The refinance is to lower the borrower’s monthly principal and interest payments.
  • No cash may be taken out on mortgages refinanced using the streamline refinance process.

VA Loan

VA loans are an incredible benefit for those who have served our country. The Veteran’s Administration (VA) allows the borrower to finance 100% of the purchase price of their primary home and allows the seller to pay all of the buyer’s closing costs. In addition, a seller may also contribute to debt reduction on the borrower’s behalf for qualifying.

VA home loans generally offer low interest rates, easier qualification standards, less strict credit and income standards and no prepayment penalties. There are additional benefits offered to disabled veterans applying for a VA loan.

Loan programs available for VA loans
  • Fixed rate mortgages (10, 15, 20, 25 and 30 year terms)
  • Adjustable rate mortgages (5 year fixed period)