Renton home loan pre-approval from Gary McNinch

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Confidential Mortgage Application
Obtain the Best Rates & Lowest Closing Costs


When you are ready to purchase a home, it makes sense to negotiate from the strongest position possible. In a strong real estate market, sellers can be more selective in the final buyer they choose to negotiate with. In such a crazed seller's market, it's not uncommon for a home seller to receive multiple offers on their property. With that said, there are things you can do to make certain that your offer is the one the seller goes with.

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 seller's perspective for a moment. If you were the Seller and had multiple offers on your property, all things being equal, would you accept the one with Certificate of Financing Approval or the one that was still conditional on Financing? The answer is obvious. Why then, do so many buyers wait to start the financing until after they have found the home?

What we have found is that those buyers are usually very good, qualified buyers and are not worried about getting approved. Even though they usually are correct and will ultimately be Approved, the Seller in most cases has no guarantees.

Lastly, from a cost savings perspective...

As a prospective purchaser, it makes all the more sense to start the financing early on so you can get a firm handle on your interest rate and estimate of points and closing costs. If you do this before finding a home, you are not under any time constraints and are less likely to over pay like a buyer who has found a home and is under strict time constraints.

Should you decide that you wish to take advantage of Pre-Approval, simply complete the attached confidential mortgage application. We will locate the absolute best mortgage rate and lowest closing costs possible and process your application without any cost or obligation.
Mortgage Application
Click here to fill out this form using our Secure Server
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 Check Here
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
* Your name and email address are required, so please be sure your email address is entered accurately.
By submitting this form with your telephone number you are consenting for Gary McNinch
and authorized representatives to contact you even if your name is on the Federal "Do-not-call List."
Privacy Policy: Gary McNinch will never share or sell your information with anyone... period.

About Gary McNinch's Renton, WA Real Estate Website: The www.GaryMcNinch.com web site provides Downtown Renton, Renton Highlands, Kennydale, Newcastle, Talbot Hill, Cascade, Kent, Skyway and Fairwood, Washington real estate information and resources to guide homeowners, homebuyers and real estate investors through the process of selling and buying a house, condo or other Renton realty property in the Downtown Renton, Renton Highlands, Kennydale, Newcastle, Talbot Hill, Cascade, Kent, Skyway and Fairwood area. Gary McNinch Garie, Garry, McNich, McNitch, or McInch has services to help you get the best value for your Renton home and this website offers home buyers and home sellers a superior comparative market analysis (CMA), a way to view Downtown Renton, Renton Highlands, Kennydale, Newcastle, Talbot Hill, Cascade, Kent, Skyway and Fairwood real estate and MLS listings including virtual tours, prepare your home for sale, and more. Investors looking for real estate investment properties in Downtown Renton, Renton Highlands, Kennydale, Newcastle, Talbot Hill, Cascade, Kent, Skyway and Fairwood, to invest in need look no farther. Anyone selling a home, buying a home or seeking housing can learn more about our Renton realty services, and will appreciate working with a  Renton REALTOR who knows the area so well. Through trusted partners, we also provide real estate and financial services to consumers looking for houses for sale or selling their home in Renton, WA, such as mortgages, credit history, new homes, foreclosures and other services. If you've already tried to go the for sale by owner (FSBO) route and find you are needing a partner who you can trust in the sale of your most precious asset, Gary McNinch can take care of your special needs. It really doesn't matter if you spell it REALTOR®, Realator or Realter, realty, realety or reality, real estate or realestate, Gary speaks your language.
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Gary McNinch
Keller Williams Realty Southeast Sound
560 Naches Avenue Southwest, Suite 100 · Renton, WA 98055
Phone: (425) 277-5100 · Fax: (425) 277-5400

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