Total Mortgage Services Phone: 888-868-2560  Web Site
185 Plains Road
Milford, CT 06461

Online Pre-Qualification

Why Pre-qualify?
It's no matter whether you are a first time home buyer or you already own a home and are purchasing a new home, before you start looking at homes, you need to have a good idea of what you can afford. A prequalification takes the guesswork out of house hunting and can save you much time and trouble by making certain you are looking in the correct price range.
Pre-qualification strengthens your overall picture as a buyer. When you are prequalified you have more negotiating power with the seller and can save thousands of dollars as a result of being in a better negotiating situation. For sellers, an offer from someone who has pre-qualified is to be preferred over an offer from someone who has never met with a lender and thus has little idea of what might or might not be affordable. More over, sellers are often advised to only accept offers from buyers who are pre-qualified for their home loan.
Many real estate agents will not begin working with you unless you get prequalified. By pre-qualifying you demonstrate to agents that you're serious and that you are able to secure financing.
Pre-qualification can help you determine whether the specific details of your financing strategy will be acceptable to mortgage lenders: the source of your downpayment, the percent that your downpayment represents of the house price, and other factors that may be specific to your situation. It's good to avoid potential pitfalls early on, when you still have time to deal with them, rather than finding out about them so late that they present real roadblocks to getting your final application approved.
If you are refinancing, it still pays to find out whether or not you can qualify for the amount that you need.  Pre-qualification tells you that right away.
Pre-qualification is free of charge, and does not place you under any obligation.
Pre-Qualification Form
Please fill out this form as complete as possible. Your information will be immediately sent directly to Total Mortgage Services.
By completing this form you are not authorizing the lender to pull your credit report or charge you any application fees. No credit check can or will be run by the mortgage company who receive your pre-qualification request without your prior authorization.
Step 1 of 2
Loan Information
Desired Loan Amount:
Loan Purpose: Purchase
Rate/Term Refinance
Cash Out Refinance
If you selected Purchase, have you found your new home? Yes
Is there a Co-applicant for this loan? Yes

Loan Purpose

Please select the purpose for which you are requesting a loan.

Rate/Term Refinance, or "No Cash" Refinance is when you only get enough money to pay off your existing loan plus closing costs and no more than that (you may also include the second mortgage if it is more than a year old). For example, if you refinance a property only to change the term of the loan, remove the mortgage insurance, or reduce the rate.
"Cash-Out" Refinance is when the amount of money received from the new loan exceeds the total of the outstanding liens on the property, including first mortgage, second mortgage, lines of credit, closing costs and prepaid expenses. It's called "Cash-Out" because the borrower receives additional cash that can be used for any purpose.

Pre-qualification Process
To become pre-qualified, you have to submit general information about yourself and your finances to a broker or lender. The information you provide won't be verified. The lender will analyze your financial situation applying basic underwriting standards and then will issue a pre-qualification letter or certificate indicating the maximum loan for which you would qualify. More Info
Remember, you are not required to provide financial documentation to become pre-qualified.
Privacy Statement
We only collect the information necessary for pre-qualification purposes. We do not request any personal information such as date of birth, social security number or drivers license number.
All information you provide in this form will not be disclosed to anyone other than the mortgage lender you selected and will be kept strictly confidential and not shared with any person or entity without your prior authorization.


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