To: lstewart@garnesmortgage.com subject: Home Loan Pre-Qualify *Name of Borrower: [borrower] Name of Co-Borrower (if applicable) [coborrower] *Contact Phone Number: [contactnumber] *Best Time To Contact: [contacttime] Current Address : [currentadd] Email Address: [email] -------------------------------------------------------------------------------- Have you found a home already, or are you simply looking to pre-qualify before you look for a home? [foundahome] [looking] If you are looking, please let us know if you need a reference for a Realtor [realtor] Property Address: [propertyadd] Property Type : [proptype] Will this home be a: [residence] -------------------------------------------------------------------------------- Please state either the purchase price, or the amount of loan you would like to qualify for. [loanamt] If you do have money down, how much? [cashdwn] Are you a current homeowner? [yeshomownr] [nohomeownr] Borrower Job Information:[borrowerjob] Co-Borrower Job Information [coborrowerjob] Please estimate your credit type: Excellent- Bills are always paid on time with no mortgage lates, you have more available balance than debt on your credit cards, and have not been turned down for credit before.You estimate your score at : Above 720 [excellentcredit] Good- Bills are always paid on time, with no mortgage lates, you carry some debt each month but are not maxed out. You estimate your score at: 680-720 [goodcredit] Fair- Most bills are paid on time, but you have a few lates here and there, you have no more than one 30 day mortgage late. Your consumer credit is close to maxed out, but not quite. You possibly have been turned down for credit before. You estimate your score at: 560-680 [faircredit] Poor- Many bills do not get paid on time, and your mortgage has been late more than once, possibly for 60 or 90 days. You carry a high limit on your credit cards, and have likely been turned down for credit in the past. You estimate your score to be below 560 [poorcredit]