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| Once you select John
Bratmon of Towne Mortgage to
obtain your home loan, you'll be amazed at how quickly and simply
the loan process moves. Before you know it, you'll have a mortgage
that suits your lifestyle and saves you money.
Throughout the loan-application
process, I'll provide you with regular updates. You can also e-mail
me with questions or new information. And if you want assistance,
I'm just a phone call away.
Here's an overview of the
loan-application process:
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| STEP ONE --
Determine how much you can borrow |
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Click
Here (or on the "Pre-Qualification" link on the
Mortgage Rates & Info. webpage) to find out how much home you
can buy, even before you begin looking. Once you've answered a few
simple questions, I'll calculate your buying power, based on
standard lender guidelines.
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| STEP TWO --
Pre-Qualify and save money |
 To
complete the pre-qualification step, click on the Get
Pre-Qualification letter button. You'll need to supply some
brief information about employment, assets, etc. I'll contact
you for authorization to obtain your credit report. Once I've
reviewed this information, I'll issue your Pre-Qualification Letter,
which gives you the clout of an "all-cash" buyer. As
you begin looking for a home, I'll begin looking for the best loan
to meet your specific needs. Your Real Estate Agent will use your
Pre-Qualification Letter to negotiate the best deal for you. |
| You'll also be asked to
enter a "User ID", so throughout the loan process you can
re-access information you have already provided. This saves you from
having to input the same data several times. |
| Important Note: Do
not allow anyone to obtain free credit reports for you. These
reports will have to be obtained later anyway, which may lower your
"credit-risk score"! This score is extremely important to
your overall credit evaluation in the underwriting process for your
mortgage loan. To learn more about Credit Risk Scores, Click
Here. |
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| STEP THREE -- Apply
Now! Getting started is easy. |
 When
you've selected a property and have a contract with the Seller, the
next step is to complete your loan application, which can be done
easily through my website. Click on the Today's
Pricing menu selection to learn more about available loans and
current rates, or click on Apply
for a Loan to start your application.
At the appropriate time I'll order a
property appraisal for you.
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| STEP FOUR -- Your
Loan is Approved and Funded |
 Your
Real Estate Agent or the Seller will designate an Escrow/Title
Company to handle the funding of your loan, along with many other
factors which make your purchase go smoothly. I will
coordinate with the escrow team and you'll sign the final papers at
their office.
Simple, Straightforward, Cost
Effective, and FAST!
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It's Quick and Easy! For an Online Loan Application, Click Here.
For a list of my Preferred Partners (those who have
demonstrated a high level of professionalism in their areas of
expertise), Click Here.
To read actual client testimonials, regarding the level of
service I have provided in the past, Click
Here.
To Register for my FREE weekly e-mail newsletter,
which details market trends & changes, mortgage info, tax
strategies, real estate ideas, etc., Click
Here. | |
