1) It is easier to negotiate better deals from the builder to pre-qualified buyers.
2) Most Builders offer Thousands of dollars in incentives in the form of points or upgrades. 
3) Most Builders will make their incentives contingent upon using their lender.
4) It is best to have another lenders G.F.E. on hand to compare apples to apples. 
5) We can work to negotiate the builder's incentive if you don't qualify with their lender.
6) It can be an awful feeling falling in love with a home that is just out of your financial reach.
7) Knowing your qualifications puts you at an advantage for getting the best deal.

If your credit score isn't all you hoped it to be, don't be afraid to speak with a professional Loan Officer who might be able to shed some good cheer on a not too pretty credit score.  Most of the time a credit score isn't as important as you might think.  Many lenders look at credit history, rental history, job history and debt ratio in determining how loans are distributed.  There are many loans out there and each have their advantages depending on the borrowers situation.  All Around Austin Real Estate Services has worked with many of the most productive Loan Officers in town.  Some of which have programs that are not available to other Loan Brokers.  We will pass our experience and knowledge on to you so that you have a better understanding of what is available to help you make a more educated decision as you proceed in choosing the loan that is right for you.  There are numerous assistance programs available.  Our goal is to utilize these programs according to each home buyers qualifications in order to move them into homeownership with the most buyer benefit.

  0 Down - Bond Programs - Down Payment Asst. - Tax Credit - MCC- ACORN- USDA- NACA

Order Your Free Credit Report - www.annualcreditreport.com

Prequalification Information Your credit will not be pulled when submitting this form unless you place your Birthdate and Social Security number in the comment box below.  Otherwise, you can pull your own credit report with the link above.  This form is to help determine a qualifying monthly payment and what price home is affordable.  I will also calculate debt ratios and income to determine if you qualify for any of the state and goverment loan programs above. Applicant Information First Name: Last Name: Address Street 1: Address Street 2: City: Zip Code: (5 digits) State: AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Co-Applicant Information First Name: Last Name: Contact Information Daytime Phone: Evening Phone: Email: Financial Information Buyer Gross Annual Income: Co-Buyers Gross Annual Income: Current Rent/Mortgage: Approximate Combined Monthly Debt:  (excluding rent/mortgage) Buyer Years with Current Employer: Co-Buyer Years with Current Employer:   Property Information Currently Own a Home: Yes No   If yes, then how long? Interested In: Move-Up Program First Home Primary Residence Secondary Investment Investment Desired # of Bedrooms:    Number of Bathrooms?  Desired Features: Number of Stories:    Desired Monthly Payment? Desired Living Location?: Other Information Comments: Enter comments here! I give All Around Austin Real Estate Representative permission to send me current homes specific to my criteria  for 3 months as listed above at no cost to me.