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"Get The Money / A Consumer's Guide To A Successful Mortgage Application"
by:
William J Archambault Jr
The Real Estate Sage
From REII
Only $29.95
Contents:
1. Where to Apply for Your Best Chance of A Great Loan 1
2. Gather Your Exhibits 9
3. Get An Appointment 11
4. What To Except / All Those Forms
A. The Application / Form “1003" 12
B. Borrower Signature Authorization 30
* These Forms Must Be Read As They Create A Contract!
C. *Brokerage Business Contract 30
D. *Mortgage Loan Origination Agreement 30
E. *Mortgage Loan Commitment 30
Boiler Plate
F. Affiliated Business Arrangement Disclosure 31
G. Aggregated Escrow Account Disclosure 31
H. Borrower’s Certification & Authorization 31
I. Credit Score Information Disclosure 32
J. Disclosure Notices 32
K. Equal Credit Opportunity Act Disclosure 32
L. Fair Lending Notice Disclosure 32
M. Flood Insurance Disclosure 32
N. Flood Hazard Determination 33
O. Flood Hazard Notice 33
P. Federal Flood Certification 33
Q. Gift Letter 33
U. Privacy Policy Disclosure 33
V. Right To Receive Appraisal 33
W. *Request For Appraisal 33
X. Request For Evidence Of Appraisal 34
Y. Request For Evidence Of Insurance 34
Z. Servicing Disclosure Statement 34
For High Loan To Value Loans
Requiring Private Mortgage Insurance
AA. PMI Disclosure For {Either} Adjustable 34
or Fixed Rate Mortgages
AB. PMI Disclosures High Risk Loans 34
AC. Section 32 Disclosure 35
(For High Risk / High Cost Loans)
Tax Forms
AD. Tax Information Authorization (8821) 35
AE. Tax Transcripts Request (4506) 35
The Most Important Forms
(You Must Receive Copies of These Forms)
AF. “Good Faith Estimate” 36
AG. “Truth In Lending” 40
5. Credit Reports and Credit Scores 42
6. Application Fees 48
7. Title 49
8. Escrow 49
9. Appraisals 50
10. Closing, Funding and Recording 51
11. Big Don’ts 53
12. Looking Forward To Refinancing 57
Many States Have additional Required Forms
Bonus Section Articles by: William J Archambault Jr
13. Standing Before The Bar / Why We Hate Applying For A Loan 59
14. A Consumers Guide To Mortgage Brokers and
The Evil Yield Spread Premium 61
Write for availability and ordering information.
Our Links:
William J Archambault Jr
Pod Cast by William J archambault Jr
The Real Estate Sage
The Mortgage Sage
The Mortgage Catalyst
One House At a Time
Finding And Buying Single Family Rentals
Get The Money / A Consumer’s Guide To a Successful Mortgage Application
Flipping For Fun And Profit
A Cash flow Generator
Short Sale Salvation
The Real Estate Investment Institute
E-mail William J Archambault Jr
702-516-1569
Reliable Real Estate Professionals:
Trey Thurmond, College Station, Texas
Gary Woltal - Dallas Ft. Worth
Lender: George Souto, VA and CT
Lender: Ken Cook, Marritta, GA
Nestor & Katerina Gasset Wellington, Florida
Jason Crouch, Austin Texas
Nathan Tutas Orlando, Kissimmee, Davenport, Haines City, FL
Missy Caulk-Ann Arbor, MI
Mike Saunders Athens, GA
Jon Zolsky, Daytona Beach, FL
Celeste "SALLY" Cheeseman HAWAII
Lender. Lender: Mike Jones. Tucson, AZ
Marc Blasi North Palm Beach, FL
William Johnson San Diego, CA
Ted Baker Central Florida
Social Media Consultant: Mike Mueller
Lender: Jeff Belonger Cheery Hill, NJ
Rich Kruse Columbus, OH
Lender: Brian Brady San Diego, CA
Attorney: Richard Zaretsky, Zaretsky, PA
Attorney: Ken Lawson Idaho and Indiana
Lender: Tom Burris Dallas, TX
Lender: Jason Price Altoona, FL
Lender: Joel Silberstein Brooklyn, NY
Lender: Bill Nazur Corona, CA
Lender: Robert D. Ashby, Pembroke Pines, FL
Maureen McCabe Central OH
Lender: Eddy Martinez Torrance, CA
Greg Nino Houston, Texas
Terry Chenier Mission, BC
William James Walton, Sr.
Greater Waterbury, CT
Loreena Yeo Frisco, TX