T h e G a m e P l a n
Please Review, Sign and Return This Agreement ASAP To Benefit A Game Plan is all about STRATEGY. Our Game Plan is to simplify and make things as E-Z as possible. Staying one step ahead of the game. Fail To Plan...Plan to Fail. Timing is everything and nothing could be more expen-­
sive than a missed opportunity. Due to the unpredictable nature of the financial market, mortgage rates can sud-­
denly rise or fall with little notice. Let our 25+ Years of EXPERIENCE, KNOWLEDGE, POWER, AND RESULTS work for you. This “Game Plan” will put you in the right place at the right time, thus ensuring you & I do not miss out on the next opportunity. Here’s how E-Z it works ...Call our office and/or visit our website for a 15 minute pre-qualification interview. We will then review your current mortgage, credit, overall financial situation and check on your home value. To-­
gether, our goal will be determine a “Game Plan” that I can act upon in your benefit when the opportunity arises.
By signing the agreement below, I authorize ACC to prepare loan options and lock in my “Interest Rate” in the event my preferred loan option is available. ACC will make every best effort to accommodate this request. Fur-­
thermore, I understand it is my responsibility to supply ACC all necessary documentation within 48 hours of signing & returning this agreement to maximize our chance of success.
Preference #1: No Points No Fees
With this option, we (The Lender) pay your closing costs in exchange for a slightly higher rate.
Preference #2: Closing Cost with No Points
With this option, you (The Borrower) would pay for the traditional closing costs associated with the transaction but pay NO Discount Points and/or Origination Fees to lower your Interest Rate. Preference #3: Closing Costs with Points
With this option, you (The Borrower) will pay for the traditional closing costs & Discount Points and/or Origination Fees. This option provides the best rate of the three options. Preferred Loan Options: ______ Loan Programs: 30Yr. 25Yr. 20Yr. 15Yr. 10Yr. My Contact Information:
First Name: ________________________ Last Name______________________________
Email Address: _____________________
Phone Number: __________________________
Property Address: ____________________________________________________________
City: ___________________________ State: ________________ Zip: ________________ Authorized Signatures:
Borrower : ____________________________________________ Date: ____________
Co-Borrower : ____________________________________________ Date: ____________
Phone: (310) 856-7448 Fax (310) 856-7449 31244 Palos Verdes Drive West. Ste 211, Rancho Palos Verdes, CA 90275
Email: [email protected] CalBRE: 01174694 NMLS# 264422
H O M E L O A N S
Head Start Hit List
In An Effort to Expedite The Process. Please Compile The Following Highlighted Items Requested. Complete federal tax returns for the past two years W-2’s for the past two years (1099’s if self-employed)
4 most recent pay stubs
3 most recent bank stmts. On all accts and all pages. Most recent property tax bill (For All Properties)
Proof of fire insurance (For All Properties)
Most recent home payment statement (For All Properties)
Copy of current drivers license and/or ID
Social security card (FHA only)
Resident alien card (FHA only)
Contact name, title and phone number to verify employment
Rental Agreement for all properties
Credit Card Authorization Form for Appraisal Fee (see attachment) Credit Report Authorization Form
Contact Info for all landlords within the past 12 months
Please Mark Off Once you Have Gathered ALL The Required Documentation. To Be Ahead Of The Game Everything MUST Be Turned In At The Same Time.
[email protected]
Phone: (310) 856-2461 Fax: (310) 856-2584 31244 Palos Verdes Drive West . Ste 211, Rancho Palos Verdes, Ca. 90275 CalBRE: 01174694 NMLS: 264422
AKT, American Capital Corporation, NMLS# 264422
Borrowers' Certification and Authorization
CERTIFICATION
The Undersigned certify the following:
AKT, American Capital Corporation
1. I/We have applied for a mortgage loan through __________________________________.
In applying
for the loan, I/We completed a loan application containing various information on the purpose of the
loan, the amount and source of the down payment, employment and income information, and the assets
and liabilities. I/We certify that all of the information is true and complete. I/We made no
misrepresentations in the loan application or other documents, nor did I/We omit any pertinent
information.
2.
AKT, American Capital Corporation
I/We understand and agree that ___________________________________________reserves
the right to
change the mortgage loan review processes to a full documentation program. This may include verifying
the information provided on the application with the employer and/or the financial institution.
3.
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to
knowingly make any false statements when applying for this mortgage, as applicable under the
provisions of Title 18, United States Code, Section 1014.
AUTHORIZATION TO RELEASE INFORMATION
To Whom It May Concern:
AKT, American Capital Corporation
1. I/We have applied for a mortgage loan through ________________________________.
As part of
AKT, American Capital Corporation
the application process, _____________________________________
and the mortgage guaranty insurer
(if any), may verify information contained in my/our loan application and in other documents required in
connection with the loan, either before the loan is closed or as part of its quality control program.
AKT, American Capital Corporation
2. I/We authorize you to provide to ________________________________
and to any investor to
AKT, American Capital Corporation
whom ___________________________________
may sell my mortgage, any and all information and
documentation that they request. Such information includes, but is not limited to, employment history
and income; bank, money market and similar account balances; credit history; and copies of income tax
returns.
AKT, American Capital Corporation
3. ____________________________________
or any investor that purchases the mortgage may address
this authorization to any party named in the loan application.
4. A copy of this authorization may be accepted as an original.
Borrower
Date
Co-Borrower
Date
Calyx Form - borcera.frm (10/2013)
AKT, American Capital Corporation, NMLS# 264422
Form
4506-T
Request for Transcript of Tax Return
OMB No. 1545-1872
(Rev. September 2013)
Department of the Treasury
Internal Revenue Service
Request may be rejected if the form is incomplete or illegible.
Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using
our automated self-help service tools. Please visit us at IRS.gov and click on "Order a Return or Account Transcript" or call 1-800-908-9946. If you need a copy
of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return.
1a Name shown on tax return. If a joint return, enter the name shown first.
1b First social security number on tax return, individual taxpayer
identification number, or employer identification number
(see instructions)
2a If a joint return, enter spouse’s name shown on tax return
2b Second social security number or individual taxpayer
identification number if joint tax return
3
Current name, address (including apt., room, or suite no.), city, state, and ZIP code (See instructions)
4
Previous address shown on the last return filed if different from line 3 (See instructions)
5
If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address,
and telephone number.
Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once
you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on
line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your
transcript information, you can specify this limitation in your written agreement with the third party.
6
a
Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax
form number per request.
Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect
changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series,
Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year
and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days . . . . . . . .
b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty
assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability
and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days . .
c
Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account
Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days . . . . .
.
.
.
7
Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after
June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days . . . . .
8
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from
these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this
transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For
example, W-2 information for 2011, filed in 2012, will likely not be available from the IRS until 2013. If you need W-2 information for retirement
purposes, you should contact the Social Security Administration at 1-800-772-1213. Most requests will be processed within 10 business days .
.
Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed
with your return, you must use Form 4506 and request a copy of your return, which includes all attachments.
9
Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four
years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter
each quarter or tax period separately.
Check this box if you have notified the IRS or the IRS has notified you that one of the years for which you are requesting a transcript
involved identity theft on your federal tax return. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Caution. Do not sign this form unless all applicable lines have been completed.
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax
information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, partner, guardian, tax
matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on
behalf of the taxpayer.Note. For transcripts being sent to a third party, this form must be received within 120 days of signature date.
Phone number of taxpayer on line
1a or 2a
Sign
Here
Signature (see instructions)
Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Calyx Form - Tax4506T1.frm (11/2013)
Date
Cat. No. 37667N
Form
4506-T (Rev. 9-2013)
Appraisal Order Credit Card Authorization Form
Due to recent changes and regulations, borrowers are to pay appraisal management companies directly.
However, this charge will not apply until we have opened Escrow. Please complete this form to authorize the
charge for the Appraisal of your property.
Name
(as appears on card)
Visa
Master
Credit Card #
Expiration Date
Daytime Phone #
CSC (code on back):
Am Ex
Other Phone #
E-mail address
Mailing address credit card is billed to.
City
Street
I authorize a charge of
State
Zip
t the above credit card.
My signature denotes my acceptance of the terms and conditions below.
Card Holder's Signature:______________________________________ Date:________
Please Note: We do not accept Discover Card. This Credit Card will be authorized up to $500. This
may appear as a charge by “Sharping Lending Solutions”.
Terms and Conditions – please read carefully
Appraisal fees range from $375 to $600.
CANCELLATIONS must be received prior to inspection of your property.
[email protected]
Phone: (310) 856-2461 Fax:(310) 856-2584 31244 Palos Verdes Drive West Suite 211, Rancho Palos Verdes, CA. 90275 CalBRE: 01174694 NMLS:264422
Loan Amount
3.25%
3.5%
3.75%
4.0%
4.25%
4.5%
5.0%
5.5%
6.0%
6.5%
$200,000
$870
$898
$926
$955
$984
$1,013
$1,074
$1,136
$1,199
$1,264
$250,000
$1,088
$1,123
$1,158
$1,194
$1,230
$1,267
$1,342
$1,419
$1,498
$1,580
$300,000
$1,306
$1,347
$1,389
$1,432
$1,476
$1,520
$1,610
$1,703
$1,798
$1,896
$350,000
$1,523
$1,572
$1,621
$1,671
$1,722
$1,773
$1,879
$1,987
$2,098
$2,212
$400,000
$1,741
$1,796
$1,852
$1,910
$1,968
$2,027
$2,147
$2,271
$2,398
$2,528
$450,000
$1,958
$2,021
$2,084
$2,148
$2,214
$2,280
$2,416
$2,555
$2,697
$2,844
$500,000
$2,176
$2,245
$2,316
$2,387
$2,460
$2,533
$2,684
$2,838
$2,997
$3,160
$550,000
$2,394
$2,470
$2,547
$2,626
$2,706
$2,787
$2,953
$3,122
$3,297
w
$600,000
$2,611
$2,694
$2,779
$2,864
$2,952
$3,040
$3,221
$3,406
$3,597
$3,792
$650,000
$2,829
$2,919
$3,010
$3,103
$3,198
$3,293
$3,489
$3,690
$3,897
$4,108
$700,000
$3,046
$3,143
$3,242
$3,342
$3,444
$3,547
$3,758
$3,974
$4,196
$4,424
$750,000
$3,264
$3,368
$3,473
$3,581
$3,690
$3,800
$4,026
$4,258
$4,496
$4,740
$800,000
$3,481
$3,592
$3,704
$3,819
$3,935
$4,053
$4,295
$4,542
$4,796
$5,056
$850,000
$3,699
$3,816
$3,936
$4,058
$4,181
$4,306
$4,563
$4,826
$5,096
$5,372
$900,000
$3,916
$4,041
$4,168
$4,296
$4,427
$4,560
$4,831
$5,110
$5,395
$5,688
$950,000
$4,134
$4,265
$4,399
$4,535
$4,673
$4,814
$5,100
$5,394
$5,695
$6,004
$1,000,000
$4,352
$4,490
$4,631
$4,774
$4,919
$5,067
$5,368
$5,677
$5,995
$6,320
$1,500,000
$6,528
$6,736
$6,947
$7,161
$7,379
$7,600
$8,052
$8,517
$8,993
$9,481
$2,000,000
$8,704
$8,981
$9,262
$9,548
$9,839
$10,134
$10,736
$11,356
$11,991
$12,641
Looking Out For Your
Best Interest
Call Today!!!
Office
(310) 856-2461
Fax (310) 856-2584
[email protected]
The Amounts Represent Initial Principal And Interest Payments Only For The Loans Amounts Indicated In The Left Hand Column For a 30 Year Fixed Rate Loan.
CalBRE # 01174694
NMLS # 264422
31244 Palos Verdes Drive West.
Suite 211
Rancho Palos Verdes, Ca 90275
LOOKING OUT FOR YOUR BEST INTEREST
IT’S TIME TO TAKE ADVANTAGE OF THESE RATES!!! Whether you are a 1st.Time Buyer, Homeowner and/or A Seasoned Investor we have the right loan for you. Maybe it’s time to Purchase another Home, Vaca-­
tion Home or Investment Property. Refinance, Consolidate 1st, 2nd and/or all Debts. Make Investments, Home Improvements. Prepare for Retirement, College Tuition/Graduation, Plan a Wedding or Just a Family
Vacation. Consider a change to a 15 Year or even a 10 Year Fixed Rate Loan and SAVE over $100,000.00 in payments. We’ve Helped Thousands of Families, Why Not Yours!!!
So If Caring is Sharing, Let Me Show You Some Comparing...
Based upon a 30 Yr. Fixed Rate Loan With a Loan Amount of $400,000
From 1975 to 2014 the Average Rate is
@ 8.49% with a Monthly Payment of $3,073
Just A Few Years Ago in 2008 the Rate was @ 6.00% with a Monthly Payment of $2,398
**Today’s Approximate 30 Yr. Fixed Rate is @ 3.625% with a Monthly Payment of $1,824
Yr.
Rate
Pymt
Yr.
Rate
Pymt
Yr.
Rate
Pymt
Yr.
Rate
Pymt
1975
9.05%
$3,233
1985
12.43%
$4,247
1995
7.93%
$2,915
2005
5.87%
$2,365
1976
8.87%
$3,181
1986
10.19%
$3,566
1996
7.81%
$2,882
2006
6.41%
$2,505
1977
8.85%
$3,175
1987
10.21%
$3,572
1997
7.60%
$2,824
2007
6.34%
$2,486
$3,611
1998
6.94%
$2,645
2008
6.03%
$2,406
$3,605
1999
7.44%
$2,780
2009
5.04%
$2,157
4.69%
$2,072
1978
1979
9.64%
11.20%
$3,404
$3,870
1988
1989
10.34%
10.32%
**Rates subject to change without notice. Subject to lender approval, terms and conditions apply. Interest, taxes and insurance are extra. Points, fees and charges may apply. Not all applicants will be approved.
1980
13.74%
$4,657
1990
10.13%
$3,549
2000
8.05%
$2,949
2010
S e e i n g I s B e l i e v i n g. . .
1981
16.63%
$5,583
1991
9.25%
$3,291
2001
6.97%
$2,653
2011
4.45%
$2,015
1982
16.04%
$5,392
1992
8.39%
$3,044
2002
6.54%
$2,539
2012
3.66%
$1,832
1983
13.24%
$4,500
$2,745
2003
5.83%
$2,355
2013
3.98%
$1,905
$3,042
2004
5.84%
$2,357
2014
4.17%
$1,949
1984
13.88%
$4,701
1993
1994
7.31%
8.38%
When I first got in the business in 1988 Interest Rates were over 10.00%. Not only that just a few years before that, Rates
were as high as 16.60%. So you can imagine, I never thought in my Lifetime Interest Rates would ever go as low as they
did. But don't take my word for it, Here are the last 40 Years of Interest Rates on Average per Year according to Freddie Mac.
Head Start Hit List
In A Effort To Expedite The Process, Please Compile The Following
Complete federal tax returns for the past two years
W-2’s for the past two years (1099’s if self-employed)
4 most recent pay stubs
3 most recent bank stmts. on all accts and all pages.
Most recent property tax bill (For All Properties)
Proof of fire insurance (For All Properties)
Most recent home payment statement (For All Properties)
Copy of current drivers license and/or ID
Social security card (FHA only)
Resident alien card (FHA only)
Contact name, title and phone number to verify employment
Rental Agreement for all properties
Contact Info for all landlords within the past 12 months
[email protected]
To Stay Ahead Of The Game Everything MUST Be Turned In At The Same Time
If not now when
CalBRE # 01174694
NMLS # 264422