WHAT YOU NEED FOR A LOAN APPLICATION

Tamure' is a licensed real estate corporation in the state of Florida. Our representatives will help you find that right piece of property  here in Southwest Florida. Then help you  compare the different lenders and their costs. This is all done for you at no additional cost.  We have given you a brief description of what pre-qualifying and pre- approval can do for you. To start you off here are a few things you will need for your loan application with most of the lenders to the right.

1) Income Verification

• 2 years W-2s and paycheck stub(s) for most current 30 day period
• 2 years signed tax returns and/or year-to-date Profit and Loss Statement signed by accountant/C.P.A.
• ( Self employed or commissioned individuals ) or send verification of employment.

2) Deposit Verification

• 3 months most current Bank statement or send verification of deposit

3) Credit issues

• written explanation on any credit concern

4) Verification of mortgage/rent

• and additional documentation if necessary, i.e. gift letter, gift funds

Please Note: that this is an outline of what you may need and that some lenders and or Banks may require more information to suit their requirements.

Before you begin searching for a new home, you need to determine how much you can afford. You may be able to afford more or less than you think depending on how much the lender is willing to loan you based on your income and downpayment. By getting pre-qualified before looking for a home, you'll save time, energy and frustration because pre-qualification:

Determines how much home you can afford

• Prequalification helps you avoid buying less home than you can afford or being disappointed if you don't qualify for as much as you'd hoped.

Shows you what your downpayment will be.

• You'll know approximately how much money you'll need for downpayment and closing costs.

Lets you know what your monthly payment will be.

• You'll have a general idea of what your monthly principal, interest, taxes and insurance payment will be.

Identifies the loan programs you qualify for.

• With the wide variety of loan programs available, it's important to know which types you qualify for and which best suit your needs.

Prior to making an offer on your new home, you may want to take the next step to get a pre-approval certificate from your lender. Once you're approved, buying your new home will be quicker and easier.

• The lender will run a factual credit report and give you time to correct any errors or omissions prior to an offer.

Lock in a mortgage rate.

• You will not have to worry about rates going up while you are looking for a home.

Negotiate with the seller as a cash buyer.

• A Pre-Approval Certificate can be included with your purchase contract to show the seller that you are approved subject to the appraisal of the home. The seller doesn't have to take their home off the market for 45 to 60 days while your loan is being processed.

FINANCING

HOW MUCH YOU CAN AFFORD is determined by a relatively simple formula. Lenders generally figure that no more than 28 percent of your income should go for total housing costs. In addition, they require that your total monthly debts be less than 33 percent of your income. For example, if you make $48,000 a year, divided by 12 months, your monthly income is $4,000. Twenty eight percent of $4,000 is $1,120. That is how much you can make in monthly mortgage, taxes and insurance payments.

Generally, to qualify, the self employed home buyer must have been self-employed in the same line of work for at least 24 months before applying for a loan. Lenders use your net income, the figure at the bottom of Schedule C of your federal income tax form, to decide how large a mortgage you can carry.

But they don't look at what you earn now or what you made last year, Rather, they figure the monthly average of your income over the past 24 months. DON'T FORGET that points, closing costs and other out-of-pocket expenses probably will come to 4 to 5 percent of the mortgage amount.

If you would like information on Real Estate, Schools, Hurricanes, County Jobs, Local Weather or up todate Local News of the area ( CLICK HERE ) to visit Tamure's home page. If you would like a more in-depth explanation of the services provided by Tamure' Corporation, please feel free to contact us anytime at the numbers listed below or E-Mail us at Sales@tamure.com. A representative of the company will be glad to talk with you about the services we provide.

800-582-6873

Tamure' Corporation
3444 Marinatown Lane Suite 5
North Fort Myers, Florida 33903
Telephone: (239) 995-6262 Fax: (239) 995-6186
Tamure' is a licensed real estate corporation in the state of Florida

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Designed and maintained by David Rumbold.
If you have any questions or comments about our site,
please E-Mail me at Dave@tamure.com

Please feel free to contact any of the people list below for your Home Loan Needs in Southwest Florida. Tamure' Corporation highly recommends them. We would appreciate it if you tell them you found them through our web site.

AMERICAN PRIORITY MORTGAGE
1707 Cape Coral Parkway E.
Cape Coral,  FL 33904
Phone:      (239) 542-5930
Fax:           (239) 542-0172
Conventional Financing, Construction Perm, Lot Loans

CHASE MANHATTAN
8660 College Parkway, The Terraces Building
Ft. Myers, FL 33916
Phone:       (239) 489-2177
Fax:            (239) 489-1830
FHA, VA Conventional, and Construction Perm

FIFTH THIRD BANK
1600 E. Cape Coral Pkwy.,
Cape Coral, FL 33904
Phone:      (239) 458-6343
Fax:           (239) 458-6355
Conventional Financing, Construction Perm, Lot Loans

FINANCIAL FUNDING GROUP
4061 Bonita Beach Rd., Suite 206
Bonita Springs, FL 34134
Phone:       (239) 992-6394
Fax:             (239) 947-0900
FHA, VA Conventional, and Construction Perm

GLOBAL EXECUTIVE MORTGAGE, INC.
421 Commercial Court, Suite C
Venice, FL 34292
Phone:         (941) 486-1313 Ext. 136 /
                     (888) 916-1313
Fax:              (941) 486-1330
FHA, VA Conventional, and Construction Perm

HOME MORTGAGE CORPORATION
1105 E. Cape Coral Parkway, Suite D
Cape Coral, FL 33904
Phone:         (239) 945-2324
Fax:              (239) 945-3939
FHA, VA Conventional, and Construction Perm

LEE-CO MORTGAGE INC.
1314 E. Cape Coral Parkway, Suite D
Cape Coral, FL 33904
Phone:        (239) 945-4464
FHA, VA Conventional, and Construction Perm

RIVERSIDE BANK OF THE GULF COAST
506 Cape Coral Parkway
Cape Coral, FL 33904
Phone:        (239) 573-3730
                    (800)-214-6850
Fax:             (239) 542-8646
FHA, VA, and Conventional Financing

SOUTH TRUST BANK
12998 Cleveland Ave.
Ft. Myers, FL 33907
Phone:        (239) 599-1006
                    (888)-403-5115
Fax:             (239) 931-3415
FHA, VA, and Conventional Financing

SUNTRUST BANK
4532 Del Prado Blvd.,
Cape Coral, FL 33904
Phone:         (239) 418-2741
                     (800)-786-6271
Fax:              (239) 275-8672
Conventional Financing, Construction Perm, Lot Loans

UNIVERSAL AMERICAN MORTGAGE CORP.
10471 Six Mile Cypress Parkway
Ft. Myers, FL 33912
Phone:         (239) 278-1235 Ext. 138
Fax:              (239) 278-3045
Conventional Financing, Construction Perm, Lot Loans

WASHINGTON MUTUAL
4310 Metro Parkway,
Suite 100
Ft. Myers, FL 33916
Phone:         (239) 561-6851
FHA, VA, and Conventional Financing

WELLS FARGO HOME MORTGAGE
1101 Periwinkle Way Suite 110
Sanibel, FL 33957
Phone:         (239) 472-1776
Fax:              (239) 472-3598
FHA, VA, and Conventional Financing

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