Portsmouth NH|Coldwell Banker|Real Estate|PreApproval|Mortgage|Financing|Mortgage Questions|Am I Qualified|Loan/title> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <meta name="author" content="my247agent.com" /> <meta name="robots" content="all" /> <meta name="revisit-after" content="1 days" /> <meta name="MSSmartTagsPreventParsing" content="true" /> <meta name="distribution" content="global" /> <meta http-equiv="Content-Language" content="en-us" /> <meta name="copyright" content="2007 my247agent.com" /> <meta name="description" content="The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer." /> <meta name="keywords" content="coldwell banker,portsmouth nh,mortgage,preappoved,prequalified,rate quote,loan,pre-approval,pre-qualifaction,pre-appoved" /> <script></script> <script></script> </HEAD> <BODY BGCOLOR=#FFFFFF onload="CSScriptInit();" topMargin="0" marginHeight="0" marginWidth="0" background="image/bkg.gif" text="black" link="black" alink="#a9a9a9" vlink="black"> <table border="0" cellpadding="0" cellspacing="0" width="100%"> <tr> <td align="center"><br> <br> <table border="0" cellpadding="0" cellspacing="0" width="836" bgcolor="white"> <tr> <td valign="top" align="center"> <table border="0" cellpadding="0" cellspacing="0" width="790"> <tr height="0"> <td height="0" width="481"><a href="http://my247agent.com/index.html" target="_top"><IMG SRC="image/my247gent_logo.jpg" alt="my 24/7 Agent help to get pre appoved" WIDTH=208 HEIGHT=86 border="0"></a></td> <td height="0" width="10"><br> <br> <br> <br> <br> </td> <td height="0" align="right"><script type="text/javascript" src="http://download.skype.com/share/skypebuttons/js/skypeCheck.js"></script> <a href="skype:my247agent?call"><img src="http://mystatus.skype.com/bigclassic/my247agent" style="border: none;" width="182" height="44" alt="My status" /></a><br><font face="Verdana,Arial,Helvetica" size="-2">Email:<a href="mailto:sandy@my247agent.com" title="email us for more information and imediate assistance">Sandy@my247agent.com</a></font></td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="790"> <tr> <td width="123" valign="bottom"><a href="http://my247agent.com/index.html" target="_top" onmouseover="return CSIShow(/*CMP*/'buyers',1)" onmouseout="return CSIShow(/*CMP*/'buyers',0)" onclick="CSIShow(/*CMP*/'buyers',2);return CSButtonReturn()"><img src="TABS/BUYERS_WT.gif" alt="buyers need a buyer agent" width="123" height="31" name="buyers" border="0"></a></td> <td width="123" valign="bottom"><a href="http://my247agent.com/sellers.html" target="_top" onmouseover="return CSIShow(/*CMP*/'sellers',1)" onmouseout="return CSIShow(/*CMP*/'sellers',0)" onclick="CSIShow(/*CMP*/'sellers',2);return CSButtonReturn()"><img src="TABS/SELLERS_WT.gif" alt="sellers let us list your home" width="123" height="31" name="sellers" border="0"></a></td> <td width="123" valign="bottom"><a href="#" onmouseover="return CSIShow(/*CMP*/'button3',1)" onmouseout="return CSIShow(/*CMP*/'button3',0)" onclick="return CSButtonReturn()"><img src="TABS/FINANCING-BLU.gif" alt="financing get preappoved" width="123" height="31" name="button3" border="0"></a></td> <td width="123" valign="bottom"><a href="http://my247agent.com/relocation.html" target="_top" onmouseover="return CSIShow(/*CMP*/'button4',1)" onmouseout="return CSIShow(/*CMP*/'button4',0)" onclick="CSIShow(/*CMP*/'button4',2);return CSButtonReturn()"><img src="TABS/RELOCATION_WT.gif" alt="get help with relocating" width="123" height="32" name="button4" border="0"></a></td> <td valign="bottom" width="123"><a href="http://my247agent.com/clients.html" onmouseover="return CSIShow(/*CMP*/'button5',1)" onmouseout="return CSIShow(/*CMP*/'button5',0)" onclick="CSIShow(/*CMP*/'button5',2);return CSButtonReturn()" target="_top"><img src="TABS/CLIENTS_WT.gif" alt="Our clients get VIP treatment" width="124" height="32" name="button5" border="0"></a></td> <td valign="middle" width="174" align="center"></td> </tr> </table> <TABLE WIDTH=790 BORDER=0 CELLPADDING=0 CELLSPACING=0 bgcolor="white"> <TR height="13" valign="top" align="left" bgcolor="#330099"> <TD COLSPAN=7 align="left" background="TABS/BG_BLU.gif" height="13" valign="top" bgcolor="#330099"><spacer type="horizontal" size="32"><font face="Verdana,Arial,Helvetica" size="-7">.</font></TD> </TR> </TABLE> <table border="0" cellpadding="0" cellspacing="0" width="790"> <tr> <td width="490" rowspan="2" valign="top" align="left"> <table border="0" cellpadding="0" cellspacing="2" width="472"> <tr> <td colspan="3"><font face="Verdana,Arial,Helvetica" size="1"><b><br> </b></font></td> </tr> <tr> <td align="center"><a href="http://my247agent.com/listing3.html"><img src="image/exeter/exeter.jpg" alt="Home for sale in Exter NH - $319,000" width="149" height="106" border="2"></a></td> <td align="center"><a href="http://my247agent.com/listing2.html"><img src="image/Belanger/md_front.jpg" alt="Home in Dover NH - SOLD" border="2" width="149" height="106"></a></td> <td align="center"><a href="http://my247agent.com/york/index.html"><img src="image/ciderhill.gif" alt="Home in York Maine on the Leges Golf Course" width="149" height="106" border="2"></a></td> </tr> <tr> <td align="center"><font face="Verdana,Arial,Helvetica" size="-2">Exeter, NH.......$319,000</font></td> <td align="center"><font face="Verdana,Arial,Helvetica" size="-2">Dover, NH.....SOLD</font></td> <td align="center"><font face="Verdana,Arial,Helvetica" size="-2">York, ME.......$447,900</font></td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="463"> <tr> <td> <div align="center"> ..................................................................................................................</div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="472"> <tr> <td valign="top"> <table width="468" border="0" cellpadding="0" cellspacing="0"> <tr> <td width="327"><font size="5" color="#d2691e" face="Arial,Helvetica,Verdana"><b>Request a FREE Rate Quote </b></font></td> <td width="1"></td> <td></td> </tr> <tr> <td width="327"> <p><font face="Verdana,Arial,Helvetica" size="-2">NE Moves Mortgage is the mortgage affiliate<br> of Coldwell Banker Residential Brokerage.<br> They offer a wide variety of loan programs<br> and financing options including some<br> of the lowest rates in the industry.</font></p> <p><font face="Verdana,Arial,Helvetica" size="-2">To begin the pre-approval process,<br> please complete the form below.<br> </font></p> </td> <td width="1"></td> <td valign="top" align="left"><img src="image/mortgagelogo.gif" alt="NeMoves Mortage " width="140" height="76" border="0" align="top"></td> </tr> </table> <form method="post" action="http://my247agent.com/info/use/preapproval/process.php"> <input type="hidden" name="subject" value="I want to be Pre-Approved"> <input type="hidden" name="referurl" id="referurl" value="/approved.hml"> <hr width="100%"> </td> </tr> <tr> <td> <table width="466" border="0" cellpadding="0" cellspacing="0"> <tr> <td colspan="4" align="left"><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>You are encouraged to compare NE Moves Mortgage rates with other financing sources.<br> <br> <br> </strong></font></td> </tr> <tr> <td align="left" colspan="3"> <p><font face="Verdana,Arial,Helvetica" size="1" color="red">•=required</font><font size="-2" face="Verdana,Arial,Helvetica" color="red"><br> <br> </font></p> </td> <td align="right" valign="middle"><font face="Verdana,Arial,Helvetica" size="-2"></font></td> </tr> <tr> <td width="100" align="left"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">Primary Interest</font></td> <td colspan="3"> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td valign="top"><input type="radio" id="interest" name="interest" value="I would like to begin the mortgage pre-approved process."></td> <td> <font face="Verdana,Arial,Helvetica" size="-2">Get Pre-Approved</font></td> </tr> </table> </td> </tr> <tr> <td width="100"><img src="../images/px_trans.gif" border="0" width="1" height="1"></td> <td colspan="3"> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td valign="top"><input type="radio" id="interest" name="interest" value="I would like to recieve additional information about getting pre-approved."></td> <td> <font face="Verdana,Arial,Helvetica" size="-2">Receive additional information about getting pre-approved</font></td> </tr> </table> </td> </tr> </table> <br> <table border="0" cellpadding="0" cellspacing="0" width="406"> <tr> <td align="left" width="179"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><nobr><font face="Verdana,Arial,Helvetica" size="-2">Are you working with an<br> NE Moves Mortgage Consultant?</font></nobr></td> <td colspan="3"> <table border="0" cellpadding="2" cellspacing="0" width="95"> <tr> <td valign="top"><input type="radio" id="yesnoagent" name="yesnoagent" value="Yes" onclick="javascript:updateDisabledAgent(this);"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">Yes</font></td> <td valign="top"><input type="radio" id="yesnoagent" name="yesnoagent" value="No" onclick="javascript:updateDisabledAgent(this);"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">No</font></td> </tr> </table> </td> </tr> <tr> <td height="5" width="179"></td> <td height="5" width="10"></td> <td height="5" colspan="2"></td> </tr> <tr> <td align="left" width="179"> <div align="left"> <nobr><font face="Verdana,Arial,Helvetica" size="-2">If you answered "Yes" please<br> select their name from the the here</font></nobr></div> </td> <td width="10"><spacer type="horizontal" size="10"></td> <td colspan="2" align="left"><select id="workingwith" name="workingwith"> <option value=""></option> <option id="AMERAULT,JUSTINE" value="AMERAULT,JUSTINE">AMERAULT,JUSTINE</option> <option id="ASSARIAN,LISA" value="ASSARIAN,LISA">ASSARIAN,LISA</option> <option id="ASSARIAN,ZACHARY" value="ASSARIAN,ZACHARY">ASSARIAN,ZACHARY</option> <option id="BALTRONIS,LISA" value="BALTRONIS,LISA">BALTRONIS,LISA</option> <option id="BAUMANN,CHARLES" value="BAUMANN,CHARLES">BAUMANN,CHARLES</option> <option id="BERMAN,BARRY" value="BERMAN,BARRY">BERMAN,BARRY</option> <option id="BERTHIAUME,RALPH" value="BERTHIAUME,RALPH">BERTHIAUME,RALPH</option> <option id="BOTTONE,STEVE" value="BOTTONE,STEVE">BOTTONE,STEVE</option> <option id="BUCKMAN,BETH" value="BUCKMAN,BETH">BUCKMAN,BETH</option> <option id="BUZZELL,ANNE" value="BUZZELL,ANNE">BUZZELL,ANNE</option> <option id="CANGIAMILA,BRION" value="CANGIAMILA,BRION">CANGIAMILA,BRION</option> <option id="CARNEY,TIM" value="CARNEY,TIM">CARNEY,TIM</option> <option id="CASEY,SEAN" value="CASEY,SEAN">CASEY,SEAN</option> <option id="CHENEY,SHERYL" value="CHENEY,SHERYL">CHENEY,SHERYL</option> <option id="COLLINS,ELLEN" value="COLLINS,ELLEN">COLLINS,ELLEN</option> <option id="CONSIDINE,WILLIAM" value="CONSIDINE,WILLIAM">CONSIDINE,WILLIAM</option> <option id="DEWOLFE,CHRISTINE" value="DEWOLFE,CHRISTINE">DEWOLFE,CHRISTINE</option> <option id="DICKES,WENDY" value="DICKES,WENDY">DICKES,WENDY</option> <option id="DION,DAVID" value="DION,DAVID">DION,DAVID</option> <option id="DIXON,Conley" value="DIXON,Conley">DIXON,Conley</option> <option id="DONAHUE,PATRICK" value="DONAHUE,PATRICK">DONAHUE,PATRICK</option> <option id="DONAHUE,TAMIKA" value="DONAHUE,TAMIKA">DONAHUE,TAMIKA</option> <option id="DOWNING,MIKE" value="DOWNING,MIKE">DOWNING,MIKE</option> <option id="EASTON JR,VAN" value="EASTON JR,VAN">EASTON JR,VAN</option> <option id="ENMAN,JOHN" value="ENMAN,JOHN">ENMAN,JOHN</option> <option id="EPSTEIN,ELLYN" value="EPSTEIN,ELLYN">EPSTEIN,ELLYN</option> <option id="ERAKLIS,SHEILAGH" value="ERAKLIS,SHEILAGH">ERAKLIS,SHEILAGH</option> <option id="FILLION,SYLVIE" value="FILLION,SYLVIE">FILLION,SYLVIE</option> <option id="FISHER,DAVID" value="FISHER,DAVID">FISHER,DAVID</option> <option id="FLEISCHER,RICHARD" value="FLEISCHER,RICHARD">FLEISCHER,RICHARD</option> <option id="FONSECA,ROY" value="FONSECA,ROY">FONSECA,ROY</option> <option id="FONSECA,SHERRY" value="FONSECA,SHERRY">FONSECA,SHERRY</option> <option id="GAULIN,KAREN" value="GAULIN,KAREN">GAULIN,KAREN</option> <option id="GRADY,PATRICIA" value="GRADY,PATRICIA">GRADY,PATRICIA</option> <option id="GRASSIA,MARK" value="GRASSIA,MARK">GRASSIA,MARK</option> <option id="GREELEY,KEVIN" value="GREELEY,KEVIN">GREELEY,KEVIN</option> <option id="GREENE,MARK" value="GREENE,MARK">GREENE,MARK</option> <option id="GUARINO,PETER" value="GUARINO,PETER">GUARINO,PETER</option> <option id="HALLWOOD,BARBARA" value="HALLWOOD,BARBARA">HALLWOOD,BARBARA</option> <option id="HANEWICH,JAMES" value="HANEWICH,JAMES">HANEWICH,JAMES</option> <option id="HENRY,SONJA" value="HENRY,SONJA">HENRY,SONJA</option> <option id="HOPKINS,KAREN" value="HOPKINS,KAREN">HOPKINS,KAREN</option> <option id="IGLESIAS,CRISTINA" value="IGLESIAS,CRISTINA">IGLESIAS,CRISTINA</option> <option id="JOHNSON,ALAN" value="JOHNSON,ALAN">JOHNSON,ALAN</option> <option id="KAPLAN,PHILIP" value="KAPLAN,PHILIP">KAPLAN,PHILIP</option> <option id="KAYATTA,JO ANN" value="KAYATTA,JO ANN">KAYATTA,JO ANN</option> <option id="KAYROUZ,BOBBY" value="KAYROUZ,BOBBY">KAYROUZ,BOBBY</option> <option id="KING,SCOTT" value="KING,SCOTT">KING,SCOTT</option> <option id="KOCHIS,JAMES" value="KOCHIS,JAMES">KOCHIS,JAMES</option> <option id="LAMBERTI,JOE" value="LAMBERTI,JOE">LAMBERTI,JOE</option> <option id="LAUZIERE,BETTY" value="LAUZIERE,BETTY">LAUZIERE,BETTY</option> <option id="LEMAY,TERRY" value="LEMAY,TERRY">LEMAY,TERRY</option> <option id="LOPATO,LAURIE" value="LOPATO,LAURIE">LOPATO,LAURIE</option> <option id="MARGOWSKY,CONSTANCE" value="MARGOWSKY,CONSTANCE">MARGOWSKY,CONSTANCE</option> <option id="MASTRO,JEREMY" value="MASTRO,JEREMY">MASTRO,JEREMY</option> <option id="MCCARTHY,MARY" value="MCCARTHY,MARY">MCCARTHY,MARY</option> <option id="MELVILLE,PETER" value="MELVILLE,PETER">MELVILLE,PETER</option> <option id="MIHALCHIK,LEANNE" value="MIHALCHIK,LEANNE">MIHALCHIK,LEANNE</option> <option id="MITCHELL,ED" value="MITCHELL,ED">MITCHELL,ED</option> <option id="MONACO,PETER" value="MONACO,PETER">MONACO,PETER</option> <option id="MOZZICATO,MARIA" value="MOZZICATO,MARIA">MOZZICATO,MARIA</option> <option id="NEGRETE,MARTIN" value="NEGRETE,MARTIN">NEGRETE,MARTIN</option> <option id="NEWSOM,JENNIFER" value="NEWSOM,JENNIFER">NEWSOM,JENNIFER</option> <option id="O'KEEFE,MARY BETH" value="O'KEEFE,MARY BETH">O'KEEFE,MARY BETH</option> <option id="O'LEARY,TIMOTHY" value="O'LEARY,TIMOTHY">O'LEARY,TIMOTHY</option> <option id="PALUMBO,KATHRYN" value="PALUMBO,KATHRYN">PALUMBO,KATHRYN</option> <option id="PATATANES,LORI" value="PATATANES,LORI">PATATANES,LORI</option> <option id="PLACZEK,KIMBERLY" value="PLACZEK,KIMBERLY">PLACZEK,KIMBERLY</option> <option id="RAMKER,ANGELA" value="RAMKER,ANGELA">RAMKER,ANGELA</option> <option id="RENNA,RICK" value="RENNA,RICK">RENNA,RICK</option> <option id="ROBBINS,LESLIE" value="ROBBINS,LESLIE">ROBBINS,LESLIE</option> <option id="ROBICHAUD,LINDA" value="ROBICHAUD,LINDA">ROBICHAUD,LINDA</option> <option id="SANFORD,JOHN" value="SANFORD,JOHN">SANFORD,JOHN</option> <option id="SANTINI,LINDSAY" value="SANTINI,LINDSAY">SANTINI,LINDSAY</option> <option id="SCIAUDONE,RICHARD" value="SCIAUDONE,RICHARD">SCIAUDONE,RICHARD</option> <option id="SEKAC,LINDA" value="SEKAC,LINDA">SEKAC,LINDA</option> <option id="SERPA,DULCE" value="SERPA,DULCE">SERPA,DULCE</option> <option id="SEXTON,JON" value="SEXTON,JON">SEXTON,JON</option> <option id="SHEEHAN,SUEANN" value="SHEEHAN,SUEANN">SHEEHAN,SUEANN</option> <option id="SHERIDAN,TIM" value="SHERIDAN,TIM">SHERIDAN,TIM</option> <option id="SPIEGEL,SID" value="SPIEGEL,SID">SPIEGEL,SID</option> <option id="STAPLES,JOANNA" value="STAPLES,JOANNA">STAPLES,JOANNA</option> <option id="STURM, JR.,RANDON" value="STURM, JR.,RANDON">STURM, JR.,RANDON</option> <option id="TAYLOR,DONNA" value="TAYLOR,DONNA">TAYLOR,DONNA</option> <option id="THOM,DIANE" value="THOM,DIANE">THOM,DIANE</option> <option id="TIGHE,JOHN" value="TIGHE,JOHN">TIGHE,JOHN</option> <option id="TOCCI,PHIL" value="TOCCI,PHIL">TOCCI,PHIL</option> <option id="TOROW,GARY" value="TOROW,GARY">TOROW,GARY</option> <option id="TRACY,MICHAEL" value="TRACY,MICHAEL">TRACY,MICHAEL</option> <option id="VICINO,JUSTIN" value="VICINO,JUSTIN">VICINO,JUSTIN</option> <option id="VITTUM,VANESSA" value="VITTUM,VANESSA">VITTUM,VANESSA</option> <option id="WALDRON,RICHARD" value="WALDRON,RICHARD">WALDRON,RICHARD</option> <option id="YAMPANIS,ANNEMARIE" value="YAMPANIS,ANNEMARIE">YAMPANIS,ANNEMARIE</option> <option id="ZITOMER,ROBERT" value="ZITOMER,ROBERT">ZITOMER,ROBERT</option> </select></td> </tr> </table> <p><br> </p> </td> </tr> <tr> <td> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td width="100" align="left"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">Loan Type</font></td> <td colspan="2"> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td valign="top"><input type=radio id=loantype name=loantype value="Purchase"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">Purchase</font></td> <td valign="top" align="right"> <input type=radio id=loantype name=loantype value="Refinance"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">Refinance</font></td> </tr> </table> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="434"> <tr> <td width="100" align="left" valign="top"></td> <td colspan="2"> <table border="0" cellpadding="0" cellspacing="0" width="328"> <tr> <td colspan="9"><img src="../images/px_trans.gif" width="1" height="5"></td> </tr> <tr> <td width="72"><font face="Verdana,Arial,Helvetica" size="-2">Fixed:</font></td> <td><input type="radio" id="fixed" name="fixed" value="15 Year"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">15 Year</font></td> <td width="20"><img src="../images/px_trans.gif" width="10" height="1"></td> <td><input type="radio" id="fixed" name="fixed" value="30 Year"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">30 Year</font></td> <td width="20"><img src="../images/px_trans.gif" width="10" height="1"></td> <td><input type="radio" id="fixed" name="fixed" value="Other"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">Other</font></td> </tr> <tr> <td colspan="9"><img src="../images/px_trans.gif" width="1" height="5"></td> </tr> <tr> <td width="72"><font face="Verdana,Arial,Helvetica" size="-2">Adjustable:</font></td> <td><input type="radio" id="adjustable" name="adjustable" value="5/1"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">5/1</font></td> <td width="20"><img src="../images/px_trans.gif" width="10" height="1"></td> <td><input type="radio" id="adjustable" name="adjustable" value="7/1"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">7/1</font></td> <td width="20"><img src="../images/px_trans.gif" width="10" height="1"></td> <td><input type="radio" id="adjustable" name="adjustable" value="Other"></td> <td><font face="Verdana,Arial,Helvetica" size="-2">Other</font></td> </tr> </table> </td> </tr> </table> <br> <table border="0" cellpadding="2" cellspacing="2" width="462"> <tr> <td width="128" align="left"><font face="Verdana,Arial,Helvetica" size="-2">Town(s)</font></td> <td><input type="text" id="towns" name="towns" size="30" maxlength="30"><br> <font face="Verdana,Arial,Helvetica" size="-2">(current town if refinancing, or town(s) <br> you are considering if purchasing)</font></td> <td></td> </tr> <tr> <td align="left" width="128"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">State</font></td> <td><select name="state" id="state"> <option value="" style="background-color:#EEEEEE;" selected>-- Select One --</option> <option value="CT">CT</option> <option value="MA">MA</option> <option value="ME">ME</option> <option value="NH">NH</option> </select></td> </tr> <tr> <td align="left" width="128"><font face="Verdana,Arial,Helvetica" size="-2">Approx. Loan Amount</font></td> <td>$<input type="text" id="loanamount" name="loanamount" size="10" maxlength="15"></td> </tr> <tr> <td align="left" width="128"><font face="Verdana,Arial,Helvetica" size="-2">Approx. Down Payment</font></td> <td colspan="2"> <table border="0" cellpadding="0" cellspacing="0"> <tr> <td>$</td> <td><input type="text" id="downpayment" name="downpayment" size="10" maxlength="15"></td> <td><font size="-2"><img src="../images/px_trans.gif" width="15" height="1">OR<img src="../images/px_trans.gif" width="15" height="1"></font></td> <td><input type="text" id="percentdown" name="percentdown" size="2" maxlength="5"></td> <td>%</td> </tr> </table> </td> </tr> <tr> <td height="10" colspan="3"><img src="../images/px_trans.gif" width="1" height="10"></td> </tr> <tr> <td align="left" valign="top" width="128"><font face="Verdana,Arial,Helvetica" size="-2">Additional Comments</font></td> <td colspan="2"><textarea id="comments" name="comments" rows="3" cols="37" wrap="virtual"></textarea></td> </tr> </table> <p></p> <table border="0" cellpadding="2" cellspacing="2" width="451"> <tr> <td width="120" align="left"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">First Name</font></td> <td><input type="text" id="firstname" name="firstname" size="15" maxlength="20"></td> <td width="10"><img src="../images/px_trans.gif" border="0" width="10" height="1"></td> <td><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">Last Name</font></td> <td><input name="lastname" id="lastname" maxlength="20" size="15"></td> </tr> <tr> <td width="120" align="left"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">Email Address</font></td> <td colspan="4"><input name="email" id="email" size="33"></td> </tr> <tr> <td width="120" align="left"><font face="Verdana,Arial,Helvetica" size="1" color="red">•</font><font face="Verdana,Arial,Helvetica" size="-2">Home Phone</font></td> <td><input name="homephone" size="15" id="homephone"></td> <td width="10"><img src="../images/px_trans.gif" border="0" width="10" height="1"></td> <td align="left"><font face="Verdana,Arial,Helvetica" size="-2">Work Phone</font></td> <td><input name="workphone" size="15" id="workphone"></td> </tr> </table> </td> </tr> <tr> <td align="right"><br> <input type="submit" style="width:100px;" value="SUBMIT"></td> </tr> </form> </table> <br> <table border="0" cellpadding="0" cellspacing="0" width="463"> <tr> <td> <div align="center"> ..................................................................................................................</div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="463"> <tr> <td> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"> <br> </font><font face="Verdana,Arial,Helvetica" color="#d2691e" size="3"><b>Financial and Investment News:</b></font><br> <span style="font-family: Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif; font-size: 12px;"> <script type="text/javascript" src="http://www.freshcontent.net/financial_news_feed.php"></script> </span></p> <div align="center"> ....................................................................................................................</div> <br> <font face="Verdana,Arial,Helvetica" color="#d2691e" size="3"><b>Useful Financing and Mortgage Information:</b></font><br> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">The United States mortgage financing industry is highly competitive and creative. Lenders have developed myriad financing options to meet the specific needs of virtually all potential borrowers. This section attempts to outline some of the common types of loan programs, and issues to consider, when selecting the most appropriate loan to meet your needs. However, your best option is to talk with a mortgage specialist.<br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">• <strong>Rate Environment:</strong> The level and direction of rates plays an important role in determining between various loan programs<br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">• <strong>Risk Tolerance:</strong> Your own comfort level with risk, including the absolute amount of debt you incur, as well as the uncertainty of future rate fluctuations, is another important factor to weigh<br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">• <strong>Time Horizon:</strong> Your expected time horizon, including how long you plan to own your home and potential changes in your financial situation, are also important factors to consider</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">I encourage you to work with a Mortgage Consultant to analyze your financing needs and compare different mortgage programs to find the right one for you.<br> <br> <strong>Conforming Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are loans that are available up to a maximum amount of $300,700 for a one-unit property. Conforming loans meet all of the requirements to be eligible for purchase by federally-chartered, private mortgage companies such as Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). These secondary loan market companies help facilitate the availability of home loans by investing throughout the country. These loans are underwritten using standardized underwriting guidelines. You can choose between either fixed or adjustable rate programs, with payment payback periods of 10,15, 20, 25 or 30 years. Down-payment requirements can be as little as 3%. Some programs allow for no down-payment (100% financing).</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Jumbo Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">Loan amounts over $300,700 are also known as non-conforming loans. These loans exceed the loan amounts allowed by Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Down-payment requirements can be as little as 5% up to a loan amount of $350,000 and 10% for loans up to $650,000.</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">There are literally thousands of different loan types available. I have assembled over 200 of the best loan programs to choose from. Here is a sampling of some of our popular products:<br> <br> <strong>• Fixed Rate Loans<br> • Adjustable-Rate Loans (ARMs)<br> • Blended Loans<br> • Government Loans (FHA, VA, State Loan Programs)<br> • No Income/No Asset Verification Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Fixed Rate Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are loans that maintain the same rate throughout the period of the mortgage. The terms that are currently available are 10, 15, 20, 25, and 30 years. The monthly payment will remain the same for the length of the loan. The last payment that is made will fully amortize (pay-off) the loan. <br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Adjustable Rate Loans (ARM's)</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are loans that have a rate which can adjust throughout the course of the loan's repayment, depending upon the movement of a specified Index. One example of a commonly use index is the one-year Treasury Bill. ARM programs may initially offer a lower interest rate than a fixed-rate mortgage. This makes them attractive to people who, by taking the lower initial interest rate, qualify for a larger mortgage. People who may benefit by choosing an ARM program are people planning on moving or refinancing within the first 5 years, people with a high probability of increasing their income, and people who need a low initial interest rate in order to qualify for their mortgage.</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">Before applying for an ARM, be sure to ask about the interest rate caps. Arms typically have 2 'caps', or limits, on how high or low the interest rate can adjust which also effects how high or low the mortgage payment adjusts. One cap sets the most that your interest rate can go up or down during each adjustment period. The other cap sets the most your interest rate can go up or down during the entire life of the loan. Caps of 2% per adjustment and 6% over the life of the loan are extremely common. For example, if your loan starts at 5%, and the per-adjustment cap is 2%, your interest rate for that adjustment period cannot go higher than 7%. You also know that the interest rate cannot go higher than 11% over the life of the loan. You need to take into consideration what your comfort level would be if you were to have to make a mortgage payment at the highest adjustment sometime in the future. <br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">There are several types of ARM products available including a Standard ARM, balloons, negative amortization loans, and buy-downs.<br> <br> <strong>• Standard ARM:</strong> Available with initial rates that are fixed for 1, 3, 5, 7, or 10 years. When the initial rate period is up, the loan will adjust based on a formula that varies from program to program. The rate caps are typically 2% per adjustment and 6% over the life of the loan.<br> <br> <strong>• Balloon:</strong> These are available with initial rates that are locked for 5 or 7 years. Whatever the remaining amount that is left on the loan is due in full at the end of the rate period. The Massachusetts Attorney General had outlawed these programs in Massachusetts for several years because of the high incidence of complaints and foreclosures. These loans should be carefully scrutinized, preferably with legal counsel, before choosing a balloon over another type of loan.<br> <br> <strong>• Negative Amortization Loans:</strong> These loans do not payoff the principal or the full amount of interest that is due. Negative amortization is a loan payment schedule in which the outstanding principal balance goes up rather than down. This loan allows for the lowest possible payment that you can make. These loans should be carefully scrutinized, preferably with legal counsel, to make sure that you understand the pitfalls of a negative amortization loan.<br> <br> <strong>• Buy-downs:</strong> This program is based on a standard ARM program, but allows for reduced interest payments for the first couple of years. The reduced interest lowers the mortgage payment and may allow someone to qualify for a loan that they otherwise would not have qualified for at the higher rate. The borrower is responsible for paying the difference between the below-market rate of the loan and the initial rate. This can be done with either a lump-sum in escrow, or by paying the required points on the loan.<br> <br> </font><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Blended Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are loans that blend a first and a second mortgage together. This is often done for several reasons, including avoiding private mortgage insurance, avoiding a jumbo interest rate, or to allow for a future additional pay-down of a mortgage (bonus, inheritance, investment sale, etc.). <br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Government Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>FHA</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are federally insured loans that offer very flexible underwriting criteria. The maximum loan amounts vary by county. Ask your mortgage consultant for limits in your purchasing area.</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">Loan Highlights Particularly Appealing For First-Time Homebuyers:<br> <br> • Low down-payment (usually 3% of the FHA appraised value or the purchase price, whichever is less)<br> <br> • No maximum income/earning limitations<br> <br> • FHA insures the loan, at a lower rate than standard private mortgage insurance, for an insurance fee referred to as Up-Front Mortgage Insurance (UFMIP). UFMIP can be paid in full at the loan closing or financed and added to the loan amount.<br> <br> • Fixed rate and ARM loans available<br> <br> • There is no prepayment penalty on FHA loans<br> <br> • Easier qualification requirements</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>VA</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These are federally insured loans that are available to individuals who have served or are currently serving in the armed forces. Qualified veterans can get a loan of up to $203,000. For eligibility information, contact us.</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Loan Highlights:</strong><br> • No down-payment required<br> • Qualification guidelines are more flexible than FHA or conventional loans<br> • Fixed rates only</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>State Programs</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">NE Moves Mortgage offers a variety of state-sponsored programs such as:<br> • Connecticut Housing Finance Authority<br> • Maine State Housing Authority<br> • Massachusetts Housing Finance Authority<br> • New Hampshire Housing Finance Authority<br> • MRhode Island State Housing Authority</font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These programs typically offer very attractive loan terms, such as low down-payment and low interest rate, to first-time homebuyers who meet specific income and purchase price restrictions. These programs may also offer down-payment and closing cost assistance. <br> </font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>No Income/No Asset Verification Loans</strong></font></p> <p><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">These loans allow a customer to receive a mortgage without verifying their income. Because the income is not verified on these loans, there is more emphasis placed on the credit history and the appraisal of the subject property. There are several different variations including:<br> <br> • Stated Income: The income is stated but not verified. The employment history is usually verified with a letter from an accountant or a copy of a business license.<br> <br> • No Income/No assets: Neither the income nor any assets are stated on the application. This is commonly referred to as a 'no-doc' loan. You must have a superior credit history in order to be considered for this loan.<br> </font></p> <div align="left"> </div> </td> </tr> </table> </td> <td width="1" rowspan="2" valign="top" align="center" background="TABS/VERT_DOT.gif"></td> <td valign="top" width="294"><br> </td> </tr> <tr> <td align="center" valign="top" width="294"> <table border="0" cellpadding="0" cellspacing="2" width="249"> <tr> <td> <p><font face="Verdana,Arial,Helvetica" color="#d2691e" size="3"><b>Common Mortgage Q&A:<br> </b></font><br> <font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>What is the difference between pre-approval and pre-qualification?</strong></font><font face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"> <br> <br> </font><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">"The pre-approval process is much more complete than pre-qualification. For pre-qualification, the loan officer asks you a few questions and provides you with a pre-qual letter. Pre-approval includes all the steps of a full approval, except for the appraisal and title search. Pre-approval can put you in a better negotiating position, much like a cash buyer. "<br> <br> <br> <strong>How long is a pre-approval valid?</strong></font><font size="3" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong><br> <br> </strong></font><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">Pre-approvals are valid for a specified period of time. This time period is determined by the age of your submitted paperwork used to pre-approve you as well as the age of the credit report used in your pre-approval process. Asking your NE Moves Loan Officer for an updated pre-approval letter is a smart move as rates tend to fluctuate and sellers look for pre-approved buyers from a well-known and respected local lender.<br> <br> <br> <strong>When does it make sense to refinance?</strong></font><font face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><br> <br> </font><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">"Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation: Calculate the total cost of the refinance Calculate the monthly savings Divide the total cost of the refinance (#1) by the monthly savings (#2). This is the ""break even"" time. If you own the house longer than this, you will save money by refinancing.</font><font face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif">"</font><font size="-2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><br> </font><font face="Verdana,Arial,Helvetica" size="-2"><br> <br> </font><font size="2" face="Trebuchet MS, Geneva, Arial, Helvetica, SunSans-Regular, sans-serif"><strong>Why finance with NE Moves Mortgage?</strong><br> <br> NE Moves Mortgage is a top lender in New England with relationships with over 100 national and local institutions. Many of these lenders delegate the approval of the loan to NE Moves. Working with NE Moves gives you the best selection of products and competitive rates to meet your needs as well as a quick decision.<br> <br> <br> </font><font face="Verdana,Arial,Helvetica" size="-2"><br> </font><font size="2" face="Verdana,Arial,Helvetica"><a href="http://my247agent.com/glossary_mortgage.html"><strong>Visit our Mortgage Glossary...</strong></a></font><font face="Verdana,Arial,Helvetica" size="-2"><a href="(EmptyReference!)"><br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> <br> </a></font></p> <table border="0" cellpadding="0" cellspacing="0" width="245"> <tr> <td></td> <td align="center"><font face="Verdana,Arial,Helvetica" size="-2">Affiliated with:</font></td> <td></td> </tr> <tr> <td></td> <td align="center"><a href="http://my247agent.com/aboutcbrb.html"><img src="image/cdlogo.gif" alt="Coldwell Banker Residential Brokerage" width="135" height="60" border="0"></a></td> <td></td> </tr> <tr> <td></td> <td align="center"><font size="-2"><br> </font><font face="Verdana,Arial,Helvetica" size="-2">25 Maplewood Ave,<br> Portsmouth NH 03801<br> Office: 603 433-3331</font><font size="-2"><br> <br> </font><font size="-2" face="Verdana,Arial,Helvetica">Some pages of this site are linked to:<br> www.newenglandmoves.com</font><font size="-2"><br> </font><br> </td> <td></td> </tr> </table> </td> </tr> </table> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="790"> <tr> <td align="left"> <div align="center"> ....................................................................................................................................................................................................</div><br><div align="center"><SCRIPT language="JavaScript1.1" type="text/javascript" src="http://context5.kanoodle.com/cgi-bin/ctpub_adserv.cgi?id=87298674&site_id=87298675&format=728x90b&bdcl=ffffff&bgcl=ffffff&tlcl=666666&ttcl=494949&ulcl=929292"></SCRIPT></div> <br></td> </tr> </table> <table border="0" cellpadding="0" cellspacing="2" width="790"> <tr> <td align="left" valign="top" width="40"><a href="http://my247agent.com/equalop.html"><img src="image/equalop.gif" alt="Equal Opportunity" width="40" height="40" border="0"></a></td> <td align="center" valign="top"><font size="-2"><br> </font><font face="Verdana,Arial,Helvetica" size="-2"><a href="http://my247agent.com/index.html">Buyers</a> . <a href="http://my247agent.com/sellers.html">Sellers</a> . Financing . <a href="http://my247agent.com/relocation.html" target="_top">Relocation</a> . <a href="http://my247agent.com/clients.html" target="_top">Clients</a> . <a href="http://my247agent.com/privacypolicy.html">Privacy</a> . <a href="http://my247agent.com/termsofuse.html">Terms Of Use</a> . <a href="http://my247agent.com/aboutus.html">About</a> . <a href="http://my247agent.com/contactus.html">Contact</a><br> <br> </font><font face="Verdana,Arial,Helvetica" size="-2"><br> <table border="0" cellpadding="0" cellspacing="0" width="641"> <tr> <td valign="top" align="left"> <div align="left"> <font face="Verdana,Arial,Helvetica" size="-2" color="#696969">The MY247AGENT.com Web site contains content and information originated by various Third Party Content Providers including Multiple Listing Services or in the case of Coldwell Banker Residential Brokerage listings, from the seller of the property (the "Third Party Content"). MY247AGENT.com presents and makes available such content and information through the MY247AGENT.com Web site as a public service, for the sole purpose of aiding you, the individual consumer. Because the information is obtained from third party sources, MY247AGENT.com cannot guarantee the accuracy, sufficiency, correctness, veracity, completeness, or timeliness of such information. You are responsible for confirming the sufficiency and reliability of any such information. <br> <br> </font></div> </td> </tr> </table> </font><font face="Verdana,Arial,Helvetica" size="-2" color="#696969">© my247agent.com 2005 - 2007<br> </font></td> <td align="right" valign="top" width="42"><a href="http://my247agent.com/codeofethicx.html"><img src="image/realtorlogo.gif" alt="Realtor" width="42" height="45" border="0"></a></td> </tr> </table> <br> <br> </td> </tr> </table> <br> <br> </td> </tr> </table> <script src="http://www.google-analytics.com/urchin.js" type="text/javascript"> </script> <script type="text/javascript"> _uacct = "UA-2634529-8"; urchinTracker(); </script> </BODY> </HTML>