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Pre-Application for Residential (Home), Commercial (Business), Industrial, Investment or Real Estate Development Loans
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Application
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Want to own a home? Are you a developer and need money to start or complete your latest housing development? Are you buying a business or a building for your business? This is the place to start!
Important Notes on Eligibility: While we are able to supply residential loans to people of A, B, C, and D credit profiles, it is still important that you have worked for at least six months at the same job or location. You will not automatically be disqualified if you have not, but this is the most common reason for an applicant being denied financing. We may also recommend that people with low credit scores work with DebtSettlements.com (1-866-DEBT-SET) prior to or in the process of pursuing a loan with us because it may improve your interest rate, but do not require it.
No credit check is necessary to pre-apply, but we will need to do it when it is time to submit your full application. Before we check your credit, we will speak with you on the phone or in person, ask for your permission, and obtain your SSN. Your credit will not be checked unless you okay it over the phone or in person with our loan officer or loan officer assistants. Please still check the box authorizing us to check your credit so we have a written record of your request. We will not be able to pull it until you provide us with your SSN later in the process. Credit reports and the information you provide in this pre-application or over the phone will be used by the mortgage broker (in most cases CRFS) to help you pre-qualify for and/or obtain a loan. If at any time you are uncomfortable working with any CRFS agent or find that he or she is inadequately knowledgeable about your needs, you may request to be assigned to another agent.
Prior to any title searches and appraisals, a non-refundable payment of $500 will be required, though in some cases this may be financed into the loan. You will be responsible for any finance and title search costs whether or not you complete the loan with us. You do not have to pay the $500 to apply or pre-apply. In some states, this amount may be higher or lower, but $500 is pretty standard.
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Types of Loans Provided: (All Levels of Credit May Qualify! A, B, C, and D loans, home and business!) |
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| First Time Home Buyer | Investment Property | Second Mortgages |
| Refinance | Duplexes / Fourplexes | Equity / Debt Consolidation |
| Home Improvement | Apartment Complexes | Mergers |
| Construction | Low Income Housing | Acquisitions |
| Development | A, B, C, and D Paper Loans | Hard Money Lending |
| Commercial | Loans to Buy a Business | 1031 Tax Deferred Exchanges |
| Industrial | Home Equity Loans | Jumbo Loans |
| Hybrid Loans | VA Loans (Veterans) | Even Recent Bankruptcies! |
| Interest Only (Good Credit) | Less Than Interest (Good Credit) | Interest Plus Principal (Traditional) |
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Loan Range: As low as $10,000 and up to $250 million+. Average of $200,000. |
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| Pre-qualify for a house, and we can help you find a good real estate agent at no extra cost to help you buy or sell a home! | ||
| Need a home loan or business financing? Know someone who does? Parent? Child? Friend? Co-worker? Business partner? Professional builder? Good credit or bad, call us today! 801-815-7777, or toll free 866-475-3456 if you can't get through... | ||
| Copyright 2005, UtahFinance.com, Jed Merrill. Castle Rock Financial Services is not owned by UtahFinance.com. 801-815-7777. | ||