(602) 358-8717
Government Loans
FHA Loans
VA Loans
Reverse Mortgage
Loan Officers Wanted
Harp 2.0 Loans Are Available Now!
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Type of Loan
Refinance
Home Purchase
Home Equity Loan
Home Description
Single Family Home
Condo
Townhome
Mobile Home
Multi Family
Your Credit Profile
Excellent (720+)
Good (640 - 719)
Fair (580 - 639)
Not So Great (below 580)
I do not know.
If you are unsure of your credit score, that's okay. Just choose "I do not know" from the list of options.
Are you Active Duty or a Veteran?
*
Yes
No
A few important words about credit score and today's mortgage market...
As you've probably read, for a very long time, banks made it way too easy to qualify for a mortgage loan. Just a few years ago, you could buy a home even if you were unemployed!
Unfortunately, this means that it is more difficult then ever to get a mortgage loan.
It is almost impossible to get a mortgage with a credit score below 620. Truthfully, unless you are a veteran, a police officer, or a teacher:
you will not be able to get a mortgage with a score below 620.
The credit score requirement is set by Fannie Mae and is the same at every bank, in every state.
A brief intermission about credit score and VA loans...
For a long time, banks made it too easy to qualify for a mortgage loan.
Those same banks are now making it more difficult then ever before to get a mortgage, even for veterans.
Although the VA does not require a certain credit score to guarantee your loan, they do have certain credit report requirements. Recent late payments-- especially late payments on a current mortgage-- can be a big problem.
Purchase Year
Please Choose...
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003
2002
2001
2000
1999
1998
1997
1996
1995
1994
1993
1992
1991
1990
1989
1987
1986
1985
1984
1983
1982
1981
1980
1979
1978
1977
1976
1975
1974
1973
1972
1971
1970
1969
1968
1967
1966
1965
1964
1963
1962
1961
1960
Approximate Home Value
$80,000 - $90,000
$90,000 - $100,000
$100,000 - $110,000
$110,000 - $120,000
$120,000 - $130,000
$130,000 - $140,000
$140,000 - $150,000
$150,000 - $160,000
$160,000 - $170,000
$170,000 - $180,000
$180,000 - $190,000
$190,000 - $200,000
$200,000 - $210,000
$210,000 - $220,000
$220,000 - $230,000
$230,000 - $240,000
$240,000 - $250,000
$250,000 - $260,000
$260,000 - $270,000
$270,000 - $280,000
$280,000 - $290,000
$290,000 - $300,000
$300,000 - $310,000
$310,000 - $320,000
$320,000 - $330,000
$330,000 - $340,000
$340,000 - $350,000
$350,000 - $360,000
$360,000 - $370,000
$370,000 - $380,000
$380,000 - $390,000
$390,000 - $400,000
$400,000 - $410,000
$410,000 - $420,000
$420,000 - $430,000
$430,000 - $440,000
$440,000 - $450,000
$450,000 - $460,000
$460,000 - $470,000
$470,000 - $480,000
$480,000 - $490,000
$490,000 - $500,000
$500,000 - $750,000
$750,000 - $1,000,000
Over $1,000,000
Do you have a second mortgage or home equity line?
*
Yes
No
How much do you currently owe on the home?
*
Please put the total amount of any mortgages you have on the property. If you own your home "free and clear" it's okay to put "0" here.
What is your primary interest rate?
over 11%
10.00% - 11.00%
9.00% - 10.00%
8.50% - 8.99%
8.00% - 8.49%
7.50% - 7.99%
7.00% - 7.49%
6.50% - 6.99%
6.375%
6.250%
6.125%
6.000%
5.875%
5.750%
5.500%
5.375%
5.250%
5.125%
5.000%
4.875%
4.750%
4.625%
4.500%
4.375%
4.250%
4.125%
4.000%
Is your primary interest rate...
*
Fixed?
Adjustable? (ARM)
I don't know.
Do you want to borrow any additional cash?
*
Yes
No
Are you a First Time Homebuyer?
*
Yes
No
Did you already find a home you want to buy?
*
Yes
No
What is the price of your new home?
Is this home...
*
Your new primary residence
a rental property
a vacation home
How much can you put down?
Please Choose...
Need down payment help
3%
5%
10%
15%
20%
25%
30% or more
What is your employment status?
Please Choose...
Employed
Self-Employed
Retired
Between Jobs
What is your occupation?
How long have you done this type of work?
0 - 2 years
2 - 5 years
Over 5 years
Do you have a co-borrower?
*
Yes
No
Any late mortgage payments in the past 12 months?
*
Yes
No
Any foreclosures in the past three years?
*
Yes
No
Have you filed bankruptcy in the past 3 years?
*
Yes
No
Name
*
First
Last
Address
*
Street Address
City
Zip / Postal Code
Telephone
*
This information is optional.
Email
*
We will never, ever share your email address.
More Information:
Government Loans
Home
FHA Loans
VA Loans
Jumbo Loans
First Time?
Harp 2.0 Loans Are Available Now!
Contact Us
Bankruptcy
Refinance
Debt Consolidation
Home Equity Loans
Living Trusts
Reverse Mortgage
Mortgage Application
What Is Mortgage Insurance?
Fair Housing
Mortgage Articles
Arizona Realtors
Arizona Stuff
Just For Fun
More From AZWM
Mortgage Definitions / Glossary
Mortgage News
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Arizona Wholesale Mortgage is an Equal Housing Lender.