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FREE 24 Hour Loan Approval!

USE A PRE-QUAL OR PRE-APPROVAL AS A NEGOTIATING TOOL!

Get your mortgage first!

When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. The process is simple. Before you contract for a house let a Workforce Mortgage Association Certified Vendor customize your approval to exactly match your offer. Sellers only want to work with financially qualified buyers. There are specific things you can do to make certain that the Seller chooses your offer. One thing you shouldn't do-- is give the seller an inflated pre-approval that is not worth the paper it is written on.

The vast majority of Purchaser's today go about the process entirely wrong, putting themselves at an overwhelming disadvantage!

Let's look at this from the Sellers perspective for a moment. If you were the Seller, all things being equal, would you accept an offer with a Financing Approval Certificate that has no regard for the taxes, insurance, property address or closing date?The answer is obvious. Especially when your "Pre-Qual" is greater than your offer.

Why then, would you as a buyers generate a Pre-Qual from a "Mortgage Guy" who freely hands out mortgageFinancing Approval Certificates without even submitting your information to their company's underwriting tools?

So we may match you with a Workforce Mortgage Association participating member loan originator simply fill out the form below! Within 24 hours a WMA certified loan originator will include the best rate guarantee and discounts because you are a registered member of your employer's E-MAP.

What we have found is that buyers are usually financially sound and are not worried about getting approved. Even though they usually are Approved, the Seller has no guarantees and you have given up your competitive advantage.

Finally, from a cost savings perspective...
As a prospective purchaser, it makes the most sense to start the financing process early so you can get a firm handle on your interest rate and an estimate of closing costs. That way you are not at a competitive disadvantage or under a time constraint when you find the home you wish to purchase.

Take advantage of your employer's E-MAP benefit-- with this concept you get your mortgage in place first without any obligation and their lenders best price guarantee. Simply complete the attached confidential form.

Your company's select loan originator / account manager will plug your information directly into an Automated Underwriting System and generate advance underwriting findings valid for 120 days! This will help you streamline the mortgage process and choose the best mortgage opportunity without any obligation.

Complete the form below but first be sure to Register for E-MAP using your company's Workforce Mortgage Association asigned registration number.

(If you do not know your registration number call us at 1-800-MTG-1132 or ask your HR manager)

Borrower Information:

Borrower (Full Name):
Date of Birth:	(ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
Present Address:
City:
State/Province:
Zip Code/Postal Code:
E-mail Address
Years at Present Address:		Rent $	/month
	or	Own $

Previous Address:
City:
State/Province:
Zip Code/Postal Code:

Marital Status:	Married Separated Unmarried (including single, divorced, or widowed)

Occupation: (Position & Title)
# of years:
Place of Employment: (Name & Address)
Previous Employer: (Name & Address)

Co-Borrower Information:

Co-Borrower (Full Name):
Date of Birth:	(ex. dd/mm/yyyy)
Soc. Security #:
Residence Phone #:
Business Phone #:
If same as borrowers address
Present Address:
City:
State/Province:
Zip Code/Postal Code:
E-mail Address
Years at Present Address:		Rent $	/month
	or	Own $

If same as borrowers address
Previous Address:
City:
State/Province:
Zip Code/Postal Code:

Marital Status:	Married Separated Unmarried (including single, divorced, or widowed)

Occupation: (Position & Title)
# of years:
Place of Employment: (Name & Address)
Previous Employer: (Name & Address)

Gross Annual Income:

	Borrower	Co-Borrower
Self-Employed ?	Yes No	Yes No
Base Salary:	$	$
Overtime:	$	$
Bonuses:	$	$
Commissions:	$	$
Dividends:	$	$
Net Rental Income:	$	$
Other:	$	$

Total:	$	$

Do You Intend To Occupy This Property ? Yes No
Number of Children:
Ages:
Other Dependents:

Assets:

Checking:	$	Bank:
	$	Bank:
Savings:	$	Bank:
	$	Bank:
Credit Union:	$	Bank:
Stocks:	$
Bonds:	$
Life Insurance:	$

Present Residence (If Owned):
Market Value:	$
Morg. Value:	$
Lender:

Other Assets (Specify):

Liabilities:

(List outstanding obligations including auto loans, mortgage payments,credit cards,
personal loans, and all other loans.)

Type	Creditor's Name	Unpaid Balance	Due Date	Monthly Payment
		$		$
		$		$
		$		$
	Total:	$		$

Additional Monthly Obligations:
Alimony:		$
Child Support:		$
Child Care:		$

Are There Any Judgements or Lawsuits Present?

Yes No

Amount:

Is Any Part of the Down Payment or Settlement Costs
Being Obtained From a Source Other Than From Assets
Listed Above?

Yes No

I hereby give my consent to have my credit report secured
from any credit reporting agency which you designate.

Yes No

WorkForce Mortgage Association
ROUTE 196-STERLING RD. PO BOX 835
MOUNT POCONO, PA 18344

Phone: 800-MTG-1132 Fax: 570-839-1145
sargen@workforcehomeloans.com
*Licenced with the PA Deptartment of Banking