| |
| You
are welcome to fill this information out online. If
you would prefer to bring in your paperwork, we will
fill the application out for you. We love to meet with
our customers and we guarantee your loan is more likely
to be approved if we have an in-person meeting first.
We offer these online applications as a way for those
that prefer to get the paperwork done ahead of time
to enter it online and then we will meet. |
| Meeting
with you in person is the best way for us to match you
with the right loan and increases your chances of having
your loan actually close. Applying online gives us all
your information in one place and makes it easy for
us to keep your loan moving along. It's a great place
to start. We want you to be treated to star service
through out your Ameristar experience. We are a family
owned company and we like getting to know you and the
people who matter to you. Often one meeting can clear
up a lot of questions that might take much longer only
using email or phones. More than anything, we want you
to be comfortable with your transactions with us. If
you are more comfortable coming in face to face, we
will fill out the application for you. If you would
prefer to enter it all online that is great too.
The application takes 10 to 15 minutes
to complete. Please answer the questions as thoroughly
as possible. Any questions - call us: 414-588-9282 or
email us peter@astarloan.com.
We value your privacy. This worksheet
is hosted on our secure server, and all communication
between your browser and our server is encrypted using
the Internet-standard SSL protocol. We do NOT sell or
give out this information to other parties.
If you have any questions or need assistance,
feel free to contact us at 414-588-9282. |
|
| Either
way is fine. Usually your realtor would prefer you to
apply ahead of time so that you are pre-approved and
know what you can afford to spend. Come in and talk
to us and we can help you get pre-approved. We can help
you figure out what you are qualified and comfortable
borrowing. |
| Ameristar
Credit Report and FICO Score when you meet with us
As part of your star service you will have the opportunity
to look at your credit report and your FICO score when
we meet. This is another important factor in deciding
what kind of loan and rate will work for you. |
| You can
find out what your credit score is by visiting annualcreditreport.com
The big three credit bureaus-Equifax, Experian and
TransUnion-now must give each of us a free credit report
every year. That's great news; by checking your credit
report you can make sure no one has "stolen" your financial
identity by opening up accounts in your name that you
don't know about. And it's also a great way to make
sure your report is free of errors; even the smallest
of mistakes can lower your FICO credit score. |
|
| Follow
these steps for a FREE credit report:
Don't show your card. Never ever give
out your credit card number to get just your credit
report. But remember, a FICO credit score is different
from a credit report. And you do indeed need to pay
for your FICO score.
Use the FTC website only. There are dozens
of websites and ads claiming to offer free credit reports
that then hoodwink you into signing up for expensive
services. If you want to get your credit reports via
the web, the only site you are to go to is annualcreditreport.com.
Please be cautious; there are other websites with similar
names, but they are not to be trusted and are NOT FREE.
The annualcreditreport.com
website is maintained by the FTC. You can also get your
free credit report by calling 1-877-322-8228. |
| We only
want you to see rates you qualify for. While many lenders
tease you with low rates online only to leave you feeling
like a kid who didn't get a birthday present when you
learn you don't qualify for that rate. Or worse yet
the fees to get that rate are outrageous. We find the
practice distasteful and we want to offer you the STAR
treatment you deserve. So we say call us for the best
rate that YOU qualify for. No teasing. No kidding! |
| It depends
on your whole financial situation. There are many loan
programs that allow you to put down less on a home.
Contact us to discuss the
best plan for you. |
|
It varies but usually:
- Pay stubs (from the last 45 days)
- Recent tax returns (for the last two
years)
- Bank statements (within 30 days)
- W2 forms (from the last two years)
- Investment statements (the most recent
issued)
|
| Absolutely! |
- Recent tax returns (for the last two
years)
- Bank statements (within 30 days)
- Profit and loss statements (for the
last year and the corporate tax return if applicable)
- Current balance sheet
- If your company is audited bring whatever
you have from auditors; signed and dated.
- I earn overtime, commissions, and
bonuses.
|
| Yes,
just show us these amounts on your W2 statements. |
|
Of course you can. Just show us your:
- Recent tax returns including all schedules
- Bank statements
- Investment statements
|
| Yes,
rental income can be considered. Doing so often changes
the amount of a down payment you need to come up with. |
| You
are legally required to volunteer this information to
us only if you are obligated to pay. Child support/alimony
income is yours to volunteer only if you wish. |
|
| You
don't. Your college experience is considered in lieu
of work history. You show us your transcripts and diploma.
Come talk to us about the best way to get your loan
approved in this situation. |
| We
will need a copy of the gift affidavit and a cancelled
check showing you received the money. Additionally,
the person(s) giving the gift may be required to show
bank statements illustrating that they had the money
to give. |
| This
goes in the liabilities section of the application.
It is almost always considered a debt, regardless of
whether it is in repayment or deferred. |
| Any
loan or debt in which you are contractually obligated
to pay. |
 |
|
