Online Home Loan Qualification Form

	Pre-Qualification Form
	Qualifying is easy! Start here and get your FREE approval in minutes.
	Loan Purpose

	Loan Type

	Property Location

	Amount to Borrow

	Credit Rating

	Loan Urgency

	First Name

	Last Name

	Daytime Phone

	Evening Phone

	Email

Your Current:
	Address:
	City, State & Zip:

	Your SSN:
	**providing your SSN is optional, but helps greatly in determining your ability to qualify for a loan
	or Fill out additional information below for faster qualification.


Additional Information for Faster Qualification
The following questions will help us further determine eligibility for a VA Loan.


Are you a veteran or a surviving unmarried spouse of a veteran who died during or because of service related injuries? If you are a veteran to answer yes, you must have served at least 90 days of active duty during wartime or 181 days of active duty during peacetime.
Yes	No

Are you still on active duty or discharged under circumstances other than dishonorable? Answer YES, unless you have received a dishonorable discharge.
Yes	No

Have you filed for bankruptcy within the past 2 years or have an undischarged bankruptcy?
Yes	No

In the last twelve months have you made timely payments, specifically mortgage and/or rent payments?
Yes	No

Do you have stable income either from a job you have had for 2 years, retirement income, or another source?
Yes	No

Do you have a Realtor?
Yes	No

Do you have a house or property selected for the loan you are pre-qualifying?
Yes	No


Gross Monthly Income (before taxes and deductions):

Will you have a co-borrower ?
Yes	No

Co-Borrower's Relationship to You?


Co-Borrower's
First Name: Last Name:

Co-Borrower's SSN


Co-Borrower's Phone?


Co-Borrower's Email?


Please use the space below to provide additional information or comments related to your situation:


By submitting your information, you hereby acknowledge that you have read and agree to the Privacy Act Notice and Borrower's Authorization Below:
PRIVACY ACT NOTICE: This information is to be used by the agency collecting it or its assignees in determining whether you qualify as a prospective mortgagor under its program. It will not be disclosed outside the agency except as required and permitted by law. You do not have to provide this information, but if you do not your application for approval as a prospective mortgagor or borrower may be delayed or rejected. The information requested in this form is authorized by Title 38, USC, Chapter 37 (if VA); by 12 USC, Section 1701 et. seq. (if HUD/FHA); by 42 USC, Section 1452b (if HUD/CPD); and Title 42 USC, 1471 et. seq., or 7 USC, 1921 et. seq. (if USDA/FmHA). BORROWER'S AUTHORIZATION: By submitting this form you hereby authorize Community First Bank Loan Services to verify your past and present employment earnings records, bank accounts, stock holdings, and any other asset balances that are needed to process your mortgage loan application. You further authorize Community First Bank Loan Services to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references. It is understood that this authorization is being transmitted electronically. A copy of this electronic transmission will also serve as authorization. The information the Community First Bank Loan Services obtains is only to be used in the processing of your application for a mortgage loan.

Loan Program Highlights
FHA purchase guidelines dictate 3% down, 2 years employment history, 2 years residence history and clean credit history in the previous 12 months. FHA refinance guidelines dictate a maximum of 95% LTV on a cashout, 97% LTV R&T refinance and 12 month perfect mortgage history.

100% Financing with Credit Scores as low as 575

95% Financing with Credit Scores as low as 575

Down Payment Assistance Programs, non-FHA Loans

100% Financing for First Time Home Buyers

Financing Available with No Credit Scores

100% Financing with Late Pays and Collections, non-FHA Loans

100% Financing with Open Tax Liens and Judgments, non-FHA Loans

100% Financing with No Job, income, asset documentation - certain states

100% Financing with no PMI (Private Mortgage Insurance), with Good Credit

100% Financing with No Escrows, with Good Credit

Interest Only Payment Options

Home Purchase Loans up to $5 million

100% Financing on Primary Residence, Second Homes or Investment Properties