Online Charleston Mortgage Qualification


Mortgage Application

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Mac Ridgeway
(843) 442-4814
(843) 795-7810

Marketing Properties in the 21^st Century

With the advent of low-cost Internet technologies, consumers are put in a position of greater access to information and control over the purchase process. Brokers, agents, lenders and other providers are feeling the impact of buyers and sellers that have more complete pricing and competitive data. As consumers are taking more responsibility and doing more work themselves, they are generally demanding either lower fees or better service. Are you paying the same old commission for the same old service?

--------A new wave of technology saavy agents have emerged, in many cases to meet consumer demand for new propositions that the industry has not been able to provide. To these agents, greater access to information is passed on to you as better service. What your agent does not know, ~~could~~ will hurt you.

Why Mac Ridgeway should represent me?


* Fields are required
*Property will be:	Primary residence Second home Investment
*Property Types:
*Purpose:	Purchase Refinance
*Mortgage applied for:	FHA VA Conventional
Amortization Type:	Fixed rate Adjustable rate (ARM) Balloon
*Requested Loan amount $: (no commas)
Term (number of months):	120 180 240 300 360
(Optional)
Subject Property Street Address:
City, State, Zip	,

Purchase price or Value If Refinance:
Comments if any:
Type of DownPayment
DownPayment Amount
Down Payment Explanation

	Borrower	Co-borrower (If different)
First Name:
Middle Initial:
Last Name:
Social Security number:
Marital status:	married unmarried (includes single, divorced, widowed) separated	married unmarried (includes single, divorced, widowed) separated
Spouse is Co-Borrower?
Age:
Home Phone:
Email:
Number of Dependents:
Ages of dependents:
Must cover two years...	Borrower	Co-borrower (If different)
Current Street Address:
City, State, Zip	,	,
Dates From:(Years \| Months)
Do you rent or own?
Value of current home $:
Landlord/phone number (if applicable):
Housing expense $:
Previous Street Address
City, State, Zip:	,	,
Years \| Months:
Landlord/phone number (if applicable):
Comments if any:
Must cover two years...	Borrower	Co-borrower (If different)
Current Employer:
Street Address:
City, State, Zip	,	,
Phone number
Years \| Months:
Position:
Are you self employed?
Monthly Income...
Base employment income $:
Overtime $:
Bonuses $:
Comissions $:
Dividends/Interest $ :
Net Rental Income $:
*Other/source $:
	*Note: alimony, child support, or separate maintenance income need not be revealed if the borrower or co-borrower does not choose to have it considered for repaying this loan.
*Total Monthly Income $:

Previous employer (if less than 2 years):
Street Address:
City, State, Zip:	,	,
Phone number:
Dates From / To: (MM/DD/YYYY)
Position:
Comments if any:
Assets...	Borrower	Co-borrower (If different)
Checking Account/Name of Institution:
Account #:
Balance $:

Checking Account/Name of Institution:
Account #:
Balance $:

Savings Account/Name of Institution::
Account #:
Balance $:

Savings Account/Name of Institution:
Account #:
Balance $:

Stocks/Name of Institution:
Account #:
Balance $:

Retirement/Name of Institution:
Balance $:
Comments if any:
Net equity - sale of real estate $:


Auto:
Value:
Year:
Make:
Own or lease?:	Own Lease	Own Lease

Auto:
Value:
Year:
Make:
Own or lease?:	Own Lease	Own Lease

Own other real estate besides current residence?:	Yes No	Yes No
Address:
Value $:
Monthly rental amount received $:

Paying child support/alimony/ separate maintenance $/mo:
Comments if any:
US Citizen?	Yes No	Yes No
Permanent resident status?	Yes No	Yes No
Do you intend to occupy the property as your primary residence?	Yes No	Yes No
Are there any outstanding judgements against you?	Yes No	Yes No
Are you a party to a lawsuit?	Yes No	Yes No
Is any part of the down payment borrowed?	Yes No	Yes No
Are you a co-maker or endoser on a note?	Yes No	Yes No
Are you obligated to pay alimony/child support/separate maintenance?	Yes No	Yes No
Is any part of the downpayment borrowed?	Yes No	Yes No
Have you been declared bankrupt within the past seven years?	Yes No	Yes No
Have you had property foreclosed upon or given title deed in lieu thereof in the last seven years?	Yes No	Yes No
Have you directly or indirectly been obligated on any loan which resulted in foreclosure, transfer of title in lieu or foreclosure or judgement? (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any mortgages, financial obligation, bond, or loan guarantee. If "yes" provide details including date, name and address of lender, FHA or VA case number, if any, and reasons for the action.
	Yes No	Yes No
If yes to any of the above questions, provide explanation:	Borrower: CoBorrower:
Are you presently delinquent or in default on any federal debt or any oher loan, mortgage, financial obligation, bond, or loan guarantee? (if "yes" give details as described in the preceding question.)	Yes No	Yes No
If yes, provide explanation:	Borrower: CoBorrower:
Do you authorize us to request a credit report at this time:	Yes No	Yes No
The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor the Lenders compliance with equal credit opportunity, fair housing and home mortgage disclosure laws. You are not required to furnish this information, but are encouraged to do so. The law provides that a lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations this Lender is required to note race and sex on the basis of visual observation or surname. If you do not wish to furnish the above information, please check the box below. (Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.

Borrower:
I do not wish to furnish this information:
Race/National origin:	American Indian or Alaskan Native Black, not of Hispanic origin Asian or Pacific Islander Hispanic White, not of Hispanic origin Other (specify)
Sex:	Female Male

Co-Borrower:
I do not with to furnish this information:
Race/National origin:	American Indian or Alaskan Native Black, not of Hispanic origin Asian or Pacific Islander Hispanic White, not of Hispanic origin Other (specify)
Sex:	Female Male

DOCUMENTATION REQUIRED
Here is a list of the minimum documentation we'll need to get started. These items can be faxed, mailed, or personally delivered. Please note that additional documentation may be necessary depending on your particular situation or the type of loan you are applying for. Your loan officer will inform you if any additional items are required to process your application.

This mortgage loan application can be submitted electronically, or printed out and faxed or mailed to the loan officer you select.

We appreciate as much information as you can give us - the more complete, the better we can serve you!

If you are salaried or receive an hourly wage...

W-2 forms for the past year
Pay stub(s) for most recent 30 day period (showing year-to-date earnings)

If you are self-employed or a commissioned salesperson...

Most recent Federal tax return (business & personal, signed & including all schedules) -include W-2 forms if applicable
Pay stub(s) for most recent 30 day period (showing year-to-date earnings)
Profit & Loss Statement and Balance Sheet, if applicable (current, year-to-date, signed and dated)

Verification of funds for closing

Complete depository account statements including stocks and securities for most recent month or statement period
Most recent complete retirement (IRA/Keogh/401K) account statement

Miscellaneous

Divorce decree (if applicable)
Social security card (FHA applicants)
DD214 discharge papers and/or original Certificate of Eligibility (VA applicants)

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