denver real estate mortgages - 24 hr loan approval

confidential mortgage application

Obtain the Best Rates & Lowest Closing Costs

If you are thinking of purchasing a home, it only makes sense to negotiate from the strongest position possible. When either buying a new home or refinancing your current home, knowing your options as they pertain to your specific situation is extremely critical. When purchasing a new home, there are many thing you can do to make sure that the Seller is comfortable with your offer, this is especially critical if you are competing with another buyer. When refinancing your current home, you must make sure you are informed of all your options and do not get caught in the trap of excessive costs and pre-payment penalties.

The vast majority of Home Buyer's and Home Owners today go about the process of acquiring a new mortgage entirely wrong, putting themselves at an overwhelming disadvantage.

What we have found is that those buyers are usually great buyers, qualified buyers in fact who just feel like obtaining mortgage approval is no problem and are simply not worried about getting approved. Even though they are most likely correct and will be ultimately approved for there new mortgage, it is critical in the Buying process that we are prepared to present ourselves to the Seller's in the best possible financial light.

Lastly, from a cost savings perspective…

As a prospective purchaser, it makes all the more sense to start the financing as soon as possible so you can get a firm handle on interest rates, mortgage options, mortgage payments and closing costs. If you do this all before you find your new home, you will be better prepared to structure your contract appropriately, as well as save yourself hundreds of dollars. Buyers who get themselves in a situation of being under strict time constraints often make poor choices which can cost them thousands!

Nick and Kathy Masciotro and The Ultimate Real Estate Team can save you hundreds of dollars in the purchase of your new home. Our buyers enjoy the benefit of our vast knowledge concerning mortgages as well as saving hundreds of dollars in closing costs, an exclusive offer provided to our buyers only.

For our past clients who are just looking to refinance, we offer the same expertise and advice, as well as the same exclusive programs that will save our past clients hundreds of dollars, GUARANTEED!

Should you deicide that you wish to take advantage of our FREE PRE-APPROVAL, or are thinking of REFININACING, and would like us to show you haw we can offer you expert advise as well as SAVE YOU HUNDREDS OF DOLLARS, simply complete the attached confidential mortgage application or contact us directly at 303-423-5220. We GUARANTEE to help you through the entire process, locating you the best possible rate, mortgage program and the lowest possible closing costs possible. We do this all for our clients without any cost or obligation from them.

Please fill out the form below to take advantage of our FREE Pre-Approval Application:

Loan officer may need additional information to give you a more specific answer.

Loan Purpose

Purchase Refinance Equity Loan

Contact Information:	BORROWER	CO BORROWER
Name: First, MI, Last
Home Telephone
Work Telephone
Fax Telephone
E-Mail Address
Street Address
City, State, Zip

Pre Tax Income - Salaried Employee:
Income Salaried Employee

Pre Tax Income - Self Employed (Adjusted after expense):
Income Self Employed

Debts (Please complete for mortgages, auto loans and leases, revolving debt or other contractual obligations - do not include 401k contributions):
Monthly Debts

Cash - How much cash have you budgeted for a downpaymnet and closing costs?
Cash Budgeted

Please use this space for any questions you might have.
Questions?

By clicking on "Submit", you certify all the terms below are true:

ALL THE LEGAL STUFF

I certify that the information provided here in this application is true and correct to the best of my knowledge. Further, I authorize yourcoloradohometeam.com and their mortgage lender to verify any information included with or made part of this application including other documents that may be requested at a later date. I also authorize any person or party named in this application to provide any and all information that yourcoloradohometeam.com and their mortgage lender may request including, but not limited to; employment, income history, credit records, pay histories, income tax returns, bank and/or other depository account balance history or any other information yourcoloradohometeam.com and their mortgage lender deems necessary to secure a credit decision.

I further understand that an appraisal will be required on the property that I am financing and that the charge for this service is a pass-through expense that will be paid by me at the time requested. Typically, these fees range from $250 to $375 (or more) depending on the complexity of the appraisal and the required format in the underwriting process.

Finally, I understand that if I elect to lock-in my rate now, that:

the rate, points and fees are subject to confirmation by the mortgage lender.
the rate must be rates that are in effect at the time of receipt of completed application by the mortgage lender. Loans submitted after 11:00am Mountain Time will be subject to the mortgage lender's pricing in effect the following business day.
I will receive confirmation within 24 hours of receipt of my request. If you do not receive confirmation within 24 hours, you must contact us no later than the next business day to ensure an interest rate lock-in.

Congratulations!
Your loan request is well on it’s way to APPROVAL!!

Your Colorado Home Team

Nick & Kathy Masciotro, Broker Associates
RE/MAX Professionals, Inc.
390 Union Blvd., Suite 100
Lakewood, CO 80228

303.423.5220 TEL - 303-423.7086 FAX