NOTHING DOWN HOMES




NO CASH FOR DOWN PAYMENT? LESS-THAN-PERFECT CREDIT?


	Many hard-working people miss out on fulfilling their dream of home ownership simply because they don't have the available cash for a down payment or less-than-perfect-credit. Does this describe you? At Craft Real Estate we know that bad things sometimes happen to good people. Many times all it takes is that extra bit of effort to match a client to a home that fits their personal and financial needs. Even if those needs include BAD CREDIT or NO CASH for a down payment. We'll go above and beyond to make sure you have every opportunity to enjoy the dream of home ownership.

		Need to sell your house FAST? We Buy Houses!

PLEASE TAKE THE TIME TO COMPLETE THE FOLLOWING APPLICATION. ALL OF THE INFORMATION REQUESTED IS EXTREMELY IMPORTANT IN DETERMINING YOUR ELIGIBILITY FOR A HOME LOAN. THIS IS A SECURE WEBSITE
STEP #1: BORROWER INFORMATION (all fields MUST be filled-out to process your application): Borrower first name: XXXLast name: E-mail Address?........... Borrower Social Security Number: XXXBorrower date of birth: / / Your phone # XXXIf available, please provide an alternate phone #: Current home address: City/State/ZIP: How long have you lived at this address? Do you OWN RENT ? If you pay RENT, how have you made your rent payments? BY CHECK WITH CASH BOTH If you have paid rent by CASH, do you have any way to prove they were made on-time? YES NO xxxxHow? How much are your monthly rent payments? $ Are you currently employed? YES NO Name of your employer? Address?...................... What is your GROSS WAGE (before any deductions)? XXX$ PER MONTH XPER HOUR How long have you worked for this company? If under 2 years, your previous employer?.... .......... How long at this job? Are you SELF-EMPLOYED (1099)? OR Are you an EMPLOYEE? (W-2)..... Where do you bank? CHECKING? SAVINGS? Any 401K/Stocks/Bonds? If YES, approximately how much? X $ Are there any outstanding judgements againt you? YES NO If YES, please explain: Have you filed for bankruptcy within the past 7 years? YES NO If YES, date of bankruptcy? Have you had any property FORECLOSED upon in the past 7 years? YES NO If YES, date of foreclosure? Are you currently a party to any lawsuit? YES NO If YES, please explain: Are you past due or in default on ANY loan, debt, or financial obligation? YES NO If YES, please explain: Do you pay any alimony or child support, or separate maintenance? YES NO If YES, how much per month? $ If necessary, do you have any money to use as a down payment? YES NO If YES, how much? $ Any part of this down payment borrowed? If YES, how much? $ Have you co-signed on any debt or note for someone else? YES NO If YES, please explain: Are you a U.S. Citizen? YES NO A permanent resident ailen? YES NO Do you intend to occupy your new home as your PRIMARY RESIDENCE? YES NO Have you had any ownership in any property within the past 3 years? YES NO If YES, what kind of property was it? PRIMARY RESIDENCE (PR) SECOND HOME (SH) INVESTMENT PROPERTY (IP) If any of the above apply, how did you hold title to this property? SELF (S) JOINTLY WITH MY SPOUSE (SP) JOINTLY WITH ANOTHER PERSON (O) Anything else you would like us to know? BORROWER INFORMATION FOR GOVERNMENT MONITORING PURPOSES: The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encourged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname (if you made this application in person). If you do not wish to furnish the information, please check the box below. I DO NOT WISH TO FURNISH THIS INFORMATION xxxx ETHNICITY: HISPANIC or LATINO : NOT HISPANIC OR LATINO RACE: ......... AMERICAN INDIAN OR ALASKA NATIVEx ASIANx BLACK OR AFRICAN AMERICAN xxxx..........x. NATIVE HAWAIIAN OR OTHER ............... WHITE ......................... PACIFIC ISLANDERxxxxxx SEX::..........: FEMALE xxxx MALE IF YOU HAVE SOMEONE WHO WILL BE LISTED AS A CO-BORROWER ON THIS LOAN (i.e. husband, wife, co-signer) PLEASE PROCEED TO STEP #2 AND COMPLETE THE CO-BORROWER INFORMATION. IF NO CO-BORROWER, PLEASE SCROLL DOWN TO THE BOTTOM OF THIS PAGE AND CLICK THE "SUBMIT" BUTTON. STEP #2: CO-BORROWER INFORMATION: Co-Borrower first name: XXXLast name: E-mail Address?........... Co-Borrower Social Security Number: XXXCo-Borrower date of birth: / / Your phone # XXXIf available, please provide an alternate phone #: Current home address: City/State/ZIP: How long have you lived at this address? Do you OWN or RENT ? If you pay RENT, how have you made your rent payments? BY CHECK WITH CASH BOTH If you have paid rent by CASH, do you have any way to prove they were made on-time? YES NO xxxxHow? How much are your monthly rent payments? $ Are you currently employed? YES NO Name of your employer? Employer Address?.. ..... What is your GROSS WAGE (before any deductions)? XXX$ PER MONTH XPER HOUR How long have you worked for this company? If under 2 years, your previous employer?.... .......... How long at this job? Are you SELF-EMPLOYED (1099)? OR Are you an EMPLOYEE? (W-2)..... Where do you bank? CHECKING? SAVINGS? Any 401K/Stocks/Bonds? If YES, approximately how much? X $ Are there any outstanding judgements againt you? YES NO If YES, please explain: Have you filed for bankruptcy within the past 7 years? YES NO If YES, date of bankruptcy? Have you had any property FORECLOSED upon in the past 7 years? YES NO If YES, date of foreclosure? Are you currently a party to any lawsuit? YES NO If YES, please explain: Are you past due or in default on ANY loan, debt, or financial obligation? YES NO If YES, please explain: Do you pay any alimony or child support, or separate maintenance? YES NO If YES, how much per month? $ If necessary, do you have any money to use as a down payment? YES NO If YES, how much? $ Would any part of this down payment borrowed? If YES, how much? $ Have you co-signed on any debt or note for someone else? YES NO If YES, please explain: Are you a U.S. Citizen? YES NO A permanent resident ailen? YES NO Do you intend to occupy your new home as your PRIMARY RESIDENCE? YES NO Have you had any ownership in any property within the past 3 years? YES NO If YES, what kind of property was it? PRIMARY RESIDENCE (PR) SECOND HOME (SH) INVESTMENT PROPERTY (IP) If any of the above apply, how did you hold title to this property? SELF (S) JOINTLY WITH MY SPOUSE (SP) JOINTLY WITH ANOTHER PERSON (O) Anything else you would like us to know? CO-BORROWER INFORMATION FOR GOVERNMENT MONITORING PURPOSES: The following information is requested by the Federal Government for certain types of loans related to a dwelling in order to monitor the lender's compliance with equal credit opportunity, fair housing, and home mortgage disclosure laws. You are not required to furnish this information, but are encourged to do so. The law provides that a lender may not discriminate either on the basis of this information, or on whether you choose to furnish it. If you furnish the information, please provide both ethnicity and race. For race, you may check more than one designation. If you do not furnish ethnicity, race, or sex, under Federal regulations, this lender is required to note the information on the basis of visual observation and surname (if you made this application in person). If you DO NOT wish to furnish the information, please check the box below. I DO NOT WISH TO FURNISH THIS INFORMATION xxxx ETHNICITY: HISPANIC or LATINO : NOT HISPANIC OR LATINO RACE: ......... AMERICAN INDIAN OR ALASKA NATIVEx ASIANx BLACK OR AFRICAN AMERICAN xxxx..........x. NATIVE HAWAIIAN OR OTHER ............... WHITE ......................... PACIFIC ISLANDERxxxxxx SEX::..........: FEMALE xxxx MALE BEFORE YOU SUBMIT THIS FORM, please tell us what led you to our website... Cable TV Ad Newspaper Ad x Internet Sign Friend/Relative xxxOther? THE APPLICANT(S) SPECIFICALLY ACKNOWLEDGES AND AGREES THAT: By clicking the "Submit" button you are authorizing HousesForNoCashDown.com to pull a preliminary credit report in order to determine loan eligibility. The applicant further understands that he/she WILL NOT BE CHARGED for this preliminary report. © 2007 Craft Real Estate ..All Rights Reserved ..................................