FEB.12, 2008.
HI ....DEAR MORTGAGE...BUYER...HOW ARE YOU...?
WHEN YOU ARE TALKING ABOUT MY HELPING YOU TO GET A MORTGAGE, THIS IS WHAT YOU
ARE GOING TO BE LOOKING INTO, OR NEEDING TO DO.
DO YOU KNOW IF YOUR CREDIT REPORT IS IN GOOD STANDING...? OR IF IT IS A BAD
POSTURE...? WHAT EVER IT IS YOUR SITUATION, DO YOU KNOW YOUR AVERAGE PERCUENTUAL POINTAGE ON SUCH CREDIT REPORT...?
I AM GOING TO NEED TO KNOW A LOT ABOUT YOU BEFORE I GET TO START DOING SOMETHING ABOUT GETTING YOU A LOAN FROM A
BANK, OR ANY OTHER FINANCIAL INSTITUTION. I AM GOING TO NEED A LOT OF INFORMATION A BOUT YOUR PERSONAL LIFE, YOUR WORK
HABITS AND MOST IMPORTANT HOW MUCH YOU MAKE AND HOW YOU MAKE YOUR MONEY. DON'T GET SCARED FOR I HAVE MORTGAGE PLANS WHERE
YOU DON'T NEED TO MUCH INFORMATION BUT THESE PLANS WILL COST YOU MORE IN THE MONTHLY PAYMENTS; DUE TO THE HIGHER INTEREST
RATES. WITH ALL KINDS OF DOCUMENTATION YOU CAN GET THE LOWEST RATES. WITH NO DUCUMENTS THE INTEREST RATE GOES UP.
SO, I NEED TO KNOW WHERE YOU LIVE. IF YOU RENT OR LIVE WITH YOUR PARENTS...?
TELL ME MORE ABOUT THE LAST TWO YEARS. HAVE YOU CHANGED OF LIVING QUARTERS...? IF YES FROM WHERE TO WHERE AND FOR HOW
LONG, AND HOW MUCH YOU DID PAY BEFORE AND HOW MUCH YOU PAY NOW. WHERE DO YOU LIVE ...? IN MIAMI...OR ANY OTHER
CITY AND STATE.
HOW MUCH INCOME DO YOU MAKE A YEAR...? AND HOW MUCH INCOME WERE YOUR LAST
TWO YEARS OF 1040 TAX REPORT FOR....?
REMEMBER WE HAVE OTHER PROGRAMS WHICH REQUIERE LESS DOCUMENTATION, THEY PAY
MORE INTEREST BUT SOMETIMES THIS IS THE ONLY WAY YOU CAN ENTER TO PURCHASE A PROPERTY, IF YOUR CREDIT SCORE IS GOOD. NO NEED
OF TOO MUCH INFORMATION.
TELL ME ABOUT THE PEOPLE WHO KNOW YOU, AND HOW CAN WE CONTACT THEM...?
TELL ME AS MUCH AS YOU CAN ABOUT YOU. IT WILL HELP A LOT. BELIEVE ME.
THE MOST IMPORTANT IFORMATION AS OF NOW IS TO KNOW HOW MUCH MONEY YOU HAVE SAVED
TO GET STARTED IN THIS OPERATION. I NEED TO KNOW HOW MUCH YOU MAKE A YEAR AND HOW MUCH OF MONTHLY PAYMENTS YOU CAN AFFORD,
FOR THAT IS THE MOST DETERMINANT FACTOR IN THIS OPERATION. IF YOU ARE COUNTING WITH SOMEBODY ELSE GOING TO QUALIFY WITH
YOU, AND IF THIS IS THE CASE I AM GOING TO NEED AS MUCH INFORMATION FROM THAT SECOND PERSON AS MUCH AS I MAY NEED FROM YOU.
I WANT TO HELP YOU TO BUY SOMETHING WORTHY AND SOMETHING YOU CAN AFFORD TO PAY
ALONG THE EXISTENCE OF THE LOAN. NO ONLY FOR A FEW MONTHS. THAT IS WHY I NEED TO KNOW A LOT ABOUT YOU AND OTHERS IF THERE
IS OTHERS.
IF YOU NEED TO FIND A PROPERTY I CAN HELP YOU TO DO IT, IN THIS SENSE
TOO. TELL ME WHERE AND WHAT TYPE OF PROPERTY YOU DESIRE, AND OF HOW MANY BEDROOMS AND HOW MANY BATHROOMS AND I WILL
HELP YOU TO FIND IT. WE ARE DUELLY AND FULLY EQUIPED TO DO THIS TYPE OF RESEARCHES. GIVE THE OPORTUNITY
AND YOU WILL GET GREAT RESULTS. WE DO IT WITH A GREAT DEAL OF AND A LOT OF PROFESSIONALISM. TRY US.
HECTORASAENZ.COM
Rep: HECTOR A SAENZ SR. CORR/HIPOTECAS
Cell 786-273-8761 / Off:
305-229-2226 / eFAX: 1-877-204-7753
E-MAIL
ME AT:
APPLYING FOR A LOAN
MORTGAGE REQUIREMENTS
TO DO AND PROVIDE ME WITH.
Schedule a Mortgage Consultation
What You Need to Get Started on Your Home Loan.
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The loan approval process generally begins with an initial interview where you and
a mortgage professional discuss the potential loan. You will need to send information to us to verify your income and long
term debts.
To prepare for your meeting, please collect the following information needed for
processing your loan:
If You Are Employed - Please bring:
-
Last 30 days Pay stubs
-
Last 2 years W-2's
- Last 2 years Personal Tax Returns (all pages/ all schedules)
If You Are Self-Employed - Please bring:
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IN ADDITION YOU WILL NEED THE FOLLOWING:
1- A COMPLETLY FILLED CREDIT REPORT REQUEST AND AUTHORIZATION FOR US TO
OBTAIN IT. SEE FOLLOWING DATA INFO BELOW.
2.- I WILL HAVE TO MAKE A ANALISYS OVER THE VALUE OF THE PROPERTY YOU CAN AFFORD
TO BUY. BASED ON THE INFORMATION YOU HAVE SUMMITED.
3.- I HAVE TO RUN AN ANALISYS OF HOW MUCH YOU MAKE AND HOW MUCH IS THE HIGHEST
VALUE YOU CAN BUY.
4.- YOU WILL HAVE TO FILL OUT AN APPLICATION (1003 ) TO REQUEST SUCH LOAN.
5.- YOU WILL BE REQUIRED TO BRING A SERIES OF PAPERS TO STABLISH YOU LEGAL STATUS
ONTO THE USA AUTHORITY AND ALL FINACIAL INSTITUTIONS WHERE WE MAY BE LOOKING INTO GETTING YOU SUCH LOAN.
6.- WE MAY NEED REFERENCES FROM YUR PREVIOUS LANDLORD(S) AND YOUR PAYMENT HISTORY
WITH THEM.
7.- AND ALSO YOU MAY NEED TO BRING A SERIS OF ADDITIONAL LOOSE INFORMATIOJN
REQUIIRED BY THE LENDING INSTITUTIONS. SEE LIST BELOW.
IF YOU NEED TO FILL OUT ALL THIS INFORMATION DIRECTLY ON LINE GO TO THE FOLLOWING
PAGE...HIGHLIGHTED IN BLUE BELOW....
SEND ME YOUR ADDRESSS AND YOUR TELEPHONE NUMBERS WHERE I MAY G ET IN TOUCH WITH
YOU. VIA E-MAIL. THANKS FOR YOUR COOPERATION...
HECTORASAENZ.COM
Rep: HECTOR A SAENZ SR. Lic MTG / BKR
Cell 786-273-8761 / Off: 305-229-2226 / eFAX: 1-877-204-7753
E-MAIL
ME AT:
