Scottsdale Real Estate Information

Getting the right type of real estate home loan is an important part of the home buying process. I have put together some basic information regarding the types of real estate home loans that are common in the market today.

In a fixed-rate mortgage, the interest rate stays the same for the entire term of the loan. The advantage to a fixed-rate mortgage is that if you lock a relatively low rate, your payment won’t go up when rates do.

With an adjustable-rate mortgage, the rate of the loan can change throughout the term of the loan. The rate of the loan is based on adding points to a fixed base.

A hybrid loan combines a fixed period along with an adjustable component. Usually these loans are fixed for a period of time and then the loan becomes adjustable where it is dependant on current rates.

An FHA real estate home loan is a loan in the United States that is insured by the Federal Housing Administration.

A VA real estate home loan is a loan in the United States guaranteed by the Veterans Administration. The loan may be issued by qualified lenders. The VA was designed to offer long-term financing to American Veterans or to their surviving spouses.

Home Loan Information Request Form

If you’d like to receive information about loan programs in Scottsdale, Paradise Valley, Phoenix, Cave Creek, Tempe, Glendale and surrounding Maricopa County, AZ areas, please fill out the following form below or contact me today.

Input Your Information
What type of loan are you interested in?
How Did You Hear About Us?
Referral or other source:
1. Borrower information:
* First Name & M.I.
* Last Name
* Date of Birth
Social Security number
Home Phone
* Work Phone
* E-mail
Cell Phone
* Current Address
* City, ST Zip
Years of school?
Number of dependents
Dependent(s) Age
1a. Co-Borrower information:
Co-Borrower First Name & M.I.
Co-Borrower Last Name
Co-Borrower Date of Birth
Co-Borrower Social Security number
Co-Borrower Home Phone
Co-Borrower Work Phone
Co-Borrower E-mail
Co-Borrower Cell Phone
Co-Borrower Current Address
Co-Borrower City, ST Zip
Co-Borrower Years of school?
Co-Borrower Number of dependents
Co-Borrower Dependent(s) Age
2. Asset Section
Checking Accounts: Name, Acct. # and Balance
Saving Accounts: Name, Acct. # and Balance
Credit union Accounts: Name, Acct. # and Balance
Stocks: Name, Acct # and Balance
Bonds: Name, Acct. # and Balance
Mutual Funds: Name, Acct # and Balance
Investments: Name, Acct # and Balance
3. Borrower Employment information:
Are you self-employed?
* Current yearly income:
Number of years at current job
Years in same line of work?
Current employer
Phone number
Address
Job title
3a. Co-Borrower Employment information:
Co-Borrower: Are you self-employed?
Co-Borrowers Current yearly income:
Co-Borrower: Number of years at current job
Co-Borrower: Years in same line of work?
Co-Borrowers Current employer
Co-Borrowers Phone number
Co-Borrowers Address
Co-Borrowers Job title
4. Current Home Info:
Approximate Value
Original Cost
Year Purchased
Year home was built
Property Taxes(yearly)
Homeowner’s Insurance
* Type of Home
Occupancy
Existing first loan: Amount, Rate and Total Payment
Existing second loan: Amount, Rate and Total Payment
4a. Proposed Home info (skip this section for refinances):
Purchase price/ est. range
Is this your current address?
Current Monthly Payment?
Years at Current Residence
Property Identified?
Down payment: $ or %
Down payment Source
Do you have a Realtor?
How would you rate your credit?
Would you like us to pull your credit?
How would you prefer to be contacted?
Other
5. Government Compliance Section Borrower:
Have you declared bankruptcy in the last 7 years?
If you have declared bankruptcy, when? Month/Year
Are you a U.S. citizen?
If not, are you a permanent resident alien?
5a. Government Compliance Section Co-Borrower:
Co-Borrower: Have you declared bankruptcy in the last 7 years?
Co-Borrower: If you have declared bankruptcy, when? Month/Year
Co-Borrower: Are you a U.S. citizen?
Co-Borrower: If not, are you a permanent resident alien?
Additional comments in the space provided below:

HomeSmart
10601 N. Hayden Rd. Suite i 100 • Scottsdale, AZ 85260
Phone: (480) 748-0016 • Fax: (602) 749-6544