If you are seriously considering purchasing or refinancing a home, the loan application is a critical part of receiving an accurate assessment of your financing options.

Don't play into the sales hype and promises of low rates and quick closings without knowing if the loan terms compliments your future needs, not just your present circumstances.

Any competent lending professionals knows he/she can not properly or confidently advise you of your options without sufficient information.          

The mortgage loan can become one of your most valuable assets financially.

Don't forfeit you financial stability for terms that pays your broker more or provides the lender greater earning potential.

The other critical part of chosing a home loan is having a Mortgage Loan Analysis, not many brokers conduct such an analysis.  It can help identify the loan with the terms and conditions right for you and your future financial goals, with questions like:

____________________________________

* How long do you plan on being in the home?
   1-3 yrs___, 4-7yrs___, 8-10yrs,___, 10+____ Undetermined____,

* Appreciation value of home in the area yearly?
   10% or Less___, 15% or less___,20% or more___,

* Percentage of disposable income?
   5%___, 10%___, 20%___, 30%___, 40%___, Higher___,

* Use of the residence?
   Primary Home___, Second Home___, Invest.   Property____,

* Age and number of dependants?
    __, ___, ___, ___, ___,
 
* Level of financal discipline?
   Very Discipline___, Fairly Discipline___, Not Very___,

* Type of investment currently owned?
    401K___, Annuities___, Mutual Funds____, Money Market___,
    Stocks___,  CD's___,

   etc...
_______________________________________________

These and other questions are essentially important when chosen your loan. 

For your convenience and ease every field in my application has an explanation to assist you when you are not quite sure what information to provide.

 RAY JOHNSON
METRO ORLANDA AREA PROFESSIONAL 

310 SE HERNANDO AVE
LAKE CITY, FLORIDA 32025