Oak Creek Homes

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Loan Application

How Do I Get A Home Loan ?
The first thing you need to determine when looking for a home is the price range you qualify for. If you fill out the "Pre-Approved Loan Request form" on this page and submit it, we'll make sure you know what size and type of mortgage you are qualified for.

The Pre-Approved Loan Process.
The pre-approval process helps you buy with confidence. It's a written commitment of the dollar amount our lenders are prepared to lend you. It eliminates the "subject to loan approval" contingency in the contract. For an application and details of other information we'll need, fill out our form on the bottom of this page and hit the "Send" button. Complete all the necessary information and we'll be back with an answer for you the next working day. Our answer, (if it is an approval) will be subject to an appraisal of the property and verification of certain information you have provided.

How Much Can I Borrow?
Our lenders will allow you to borrow up to 97% of the value of the home and your land and most of the closing costs associated with a mortgage loan.

How Much Down Payment Is Necessary?
How much down payment (cash, trade, or equity in real estate) do you have? (At our Sales Centers the minimum normally is 3% of the total of the land and home). Naturally, the bigger the down payment, the lower the monthly payments will be.

Borrower's Information

Co-Borrower Information

Last Name

First Name

Street Address

City

State

Zip

Time at Current Residence

Date of Birth

Social Security #

Employer

Employment Length

Last Name

First Name

Street Address

City

State

Zip

Time at Current Residence

Date of Birth

Social Security #

Employer

Employment Length

Income and Expense Information

Monthly Salary (Include Taxes)

Bonuses (Average for a Year)

Any Other Monthly Income

Monthly Mortgage Payment or Rent

Auto & Other Monthly Payments

Monthly Credit Card Payments

Monthly Salary (Include Taxes)

Bonuses (Average for a Year)

Any Other Monthly Income

Monthly Mortgage Payment or Rent

Auto & Other Monthly Payments

Monthly Credit Card Payments

Contact Information

Email Address

Home Phone

Work Phone

Email Address

Home Phone

Work Phone

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Comments:

*YOU WARRANT THAT THE INformATION YOU ARE FURNISHING ABOVE IS trUE, ACCURATE, SUPPLIED VOLUNTARILY, AND NOT MISLEADING. YOU AUTHORIZE US, AT OUR OPTION: TO CHECK YOUR CREDIT AND EMPLOYMENT HISTORIES NAMED ABOVE; TO ANSWER QUESTIONS ABOUT YOUR CREDIT HISTORY WITH US; AND TO KEEP THIS APPLICATION WHETHER OR NOT IT IS APPROVED. WE MAY OBTAIN CONSUMER CREDIT REPORTS PERIODICALLY FROM ONE OR MORE CONSUMER REPORTING AGENCIES (CREDIT BUREAUS) IN CONNECTION WITH YOUR APPLICATION AND ANY UPDATE, RENEWAL, REFINANCING, MODIFICATION OR EXTENSION OF THE CREDIT. WE OR ANY AFFILIATE OF OURS MAY OBTAIN ONE OR MORE CONSUMER CREDIT REPORTS ON YOU FROM TIME TO TIME FOR ANY LEGITIMATE BUSINESS PURPOSE. IF YOU ASK, YOU WILL BE TOLD WHETHER A CREDIT REPORT WAS REQUESTED, AND IF SO, THE NAME AND ADDRESS OF ANY CREDIT BUREAU FROM WHICH WE OR OUR AFFILIATE OBTAINED YOUR CREDIT REPORT. WE MAY ALSO VERIFY YOUR EMPLOYMENT, PAY, ASSETS AND DEBTS. YOU AGREE THAT ANYONE RECEIVING A COPY OF THIS IS AUTHORIZED TO PROVIDE US WITH SUCH INformATION.

YOU UNDERSTAND THAT THE HOME RETAILER EXTENDS CREDIT AT DIFFERENT RATES AND CREDIT TERMS AND AGREE THAT YOU ARE APPLYING FOR AN EXTENSION OF CREDIT AND NOT FOR A PARTICULAR RATE OR PARTICULAR CREDIT TERMS.

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