If you are self-employed or compensated by commissions, you will need to supply your federal tax returns for the most recent year you filed and the year preceding that one (two years total).
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What is Arizona Marketing Specialists Inc. decision process?
After you complete your application, Arizona Marketing Specialists Inc. will review your information in order to assess the risk involved with your particular loan and situation. Arizona Marketing Specialists Inc. also prepares the necessary documentation to process the loan and satisfy government regulations.
If you are pre-approved, you will be presented with a short list of documents you need to provide for loan processing. These items will primarily include verification of your income and perhaps a request for W-2s, income tax returns, or similar information.
Immediately after your online pre-approval, depending on where you live, a senior loan officer will meet with you or a loan application will be mailed to you for review. It will contain all of the information that you've entered during your online session. Please review it carefully and make any corrections or changes that you feel are necessary. Arizona Marketing Specialists will contact you to discuss your credit history or with specific requests for any additional information that you may need to provide.
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What is Arizona Marketing Specialists Inc. rolldown option?
A rolldown loan is a refinance loan with few upfront fees; the lender pays all non-recurring closing costs for the borrower. The borrower is still responsible for paying all prepaid interest, property taxes, and hazard insurance, as well as all other recurring items. Minimum loan amount for the rolldown is $150,000. Closing costs assume that the borrower will escrow monthly property tax and insurance payments.
While the rate is slightly higher, you will pay no fees to get your new loan. In effect, as long as our rolldown rate is lower than your existing rate, it makes financial sense to refinance because there is no cost to do it. back to top ^
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What is Arizona Marketing Specialists Inc. streamlined online pre-approval process?
Arizona Marketing Specialists Inc. streamlined, centralized, and high-tech business method completes most of the work for your pre-approval by the time you get your online pre-approval. The bottom line is that you simply won't have to wait long--you'll already be conditionally approved.
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How do I sign my final loan documents?
For a purchase, you will be using an attorney, escrow company, or title insurance company, depending on the state in which you live. In some states, for a refinance or second mortgage, Arizona Marketing Specialists Inc. will send a document signer to your home or another place that you designate so you can sign all your loan documents.
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What kind of security does the Arizona Marketing Specialists Inc. Web site have?
Arizona Marketing Specialists Inc. is certified as a VeriSign Secure Site. Protecting your personal information is very important to Arizona Marketing Specialists Inc.
Secure Server IDs, also known as digital certificates, bind Arizona Marketing Specialists Inc. to a pair of electronic keys that can be used to encrypt and sign digital information. Our unique Secure Server ID ensures our authenticity to you, assuring that you are really dealing with Arizona Marketing Specialists Inc. and not an imposter. It also allows our communication with you to be encrypted so that no third parties can access it. It guarantees that only Arizona Marketing Specialists Inc. will be able to see the personal information you exchange with our site.
We chose VeriSign, Inc., as our Certification Authority because they are the leading provider of Internet trust services. With nearly 14 million registrations, they are a widely recognized and trusted name in security. The Secure Server IDs issued by VeriSign are based on the strongest encryption technology available. For more information, please visit www.verisign.com.
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If I am still not comfortable with submitting my information online. Is there another way I can apply for a loan?
You can talk to a loan analyst at any time by calling .
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What do I do if I have trouble filling out a section of the online application?
You can talk to a loan analyst at any time by calling .
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What happens after I apply for a loan online?
An Arizona Marketing Specialists Inc. loan agent will confirm the information on your application and will contact you. He or she will then turn the application over to a loan processor, who will monitor the progress of your application until closing or will notify you in writing that your loan has been declined.
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What if I want to talk to a loan analyst?
You can talk to a loan analyst at any time by calling .
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