TRANSATLANTIC MORTGAGE SERVICES

<Body> <style type="text/css"> .titles { font-size: 22pt; font-family: Arial; color: blue; } .bodys { font-size: 14pt; font-family: Arial; color: red; } .body2 { font-size: 14pt; font-family: Arial; color: blue; } </style> <form action="./form.php" method=POST> <input type=hidden name="href" value="apply"> <table border=0 cellspacing=0 cellpadding=0 width=100%> <tr><td align=center width=90%> <tr><td align=center><img src="images/logo.jpg"></td></tr> <tr><td align=center class=titles>TRANSATLANTIC MORTGAGE SERVICES</td></tr>  <tr><td align=center class=bodys>A Licensed Mortgage Lender<P></P><br> First and Second Mortgages<br> Home Equity Loans . Debt Consolidation<br> </td></tr> <tr><td align=center class=body2><b><br>PHONE 813-935-4955 - FAX 813-935-4950</b><br></td></tr> <tr><td align=center class=body2 style="font-size: 12pt;"><br>A Full Service Mortgage Lender<br><a href="index2.html#apply"><img border=0 src="images/aniapplynow.gif"></a></td></tr>  <tr><td align=center class=bodys><hr width=100%><a name="about"></a><u>About Us</u></td></tr> <tr><td style="font-size: 20pt; font-family: Arial;"> <hr width=100%> As a full service mortgage lender, licensed in several states, we offer a complete array of financing options. Our most popular options are detailed below: </td></tr> <tr><td class=titles style="font-size:12pt;"> <a name="conventional"></a> <br>Conventional Mortgages </td></tr> <tr><td style="font-size:12pt; font-family: Arial;"> <br>The majority of all mortgage originated are underwritten to FNMA and FHLMC. We are able to underwrite and conditionally approve mortgages in less than 30 minutes </td></tr> <tr><td class=titles style="font-size:12pt;"> <br>Benefits of Conventional Mortgages </td></tr> <tr><td style="font-size:12pt; font-family: Arial;"> <br><ul><li>Standardized underwriting makes it easier to shop for the best deal <br><li>Quick approvals in as little as an hour minimize headache and hassle <br><li>Competition tends to make conventional mortgages evenly priced. </ul></td></tr> <tr><td class=titles style="font-size:12pt;"> <br>JUMBO Loans <a name="jumbo"></a> </td></tr> <tr><td style="font-size:12pt; font-family: Arial;"> <br>Loans that exceed conventional loan limits are often referred to as JUMBO mortgages. The current limit for both FNMA and FHLMC is around $325,000 for single family units (somewhat higher for multiple family properties and a few states). Usually JUMBO loans are more expensive than conventional mortgages since they are more difficult to package and sell in the secondary market. </td></tr> <tr><td class=titles style="font-size:12pt;"> <br><br>Key Benefits of Jumbo Loans </td></tr> <tr><td class=titles style="font-size:12pt;"> <br>Larger loan amounts make it easier to get lenders to pay closing costs </td></tr> <tr><td class=titles style="font-size:12pt;"> <br>Self emploed borrowers benefit from availability of no income verification loans </td></tr> <tr><td class=titles style="font-size:12pt;"> <br>More ratio flexibility since residual income is usually higher than in conventional loans </td></tr> <tr><td class=titles style="font-size:12pt;"> <br>FHA Financing <a name="FHA"></a> </td></tr> <tr><td style="font-size:12pt; font-family: Arial;"> <br>HUD (Department of Housing and Urban Development) makes available guarantees to encourage lenders to make loans to borrowers with less down payment or with higher ratios than conventional loans allow. Understanding the flexibility FHA loans affords is a major strength of ours. To learn more about our special programs visit our FHA mortgage page. </td></tr> <tr><td class=titles style="font-size:12pt;"> <br><br>Key Benefits of FHA Loans </td></tr> <tr><td style="font-size:12pt; font-family:Arial;"> <br><ul><li>Save cash since lower down payment is required and seller can pay prepays <br><li>Liberal debt to income ratios make it easier for borrowers to qualify <br><li>Underwriting is generally more liberal in respect to credit problems and issues </ul></td></tr> <tr><td class=titles style="font-size:12pt;"> <br>VA Loans <a name="VA"></a> </td></tr> <tr><td style="font-size:12pt; font-family:Arial;"> <br>VA (Department of Veterans Affairs) allows eligible borrowers to finance 100% of the purchase price of a home. As a prior approved lender we can help veterans who are interested in purchasing a home or those who wish to take advantage of the VA streamline refinance program. Did you know that you are probably already approved to lower your interest rate? The VA wants us to help you save money. See our VA mortgage page to learn more. </td></tr> <tr><td class=titles style="font-size:15pt;"> <br>Creative Financing <a name="creative"></a> </td></tr> <tr><td style="font-size:12pt; font-family: Arial;"> <br>Creative financing encompasses a wide variety of options ranging from private investors for unique credit profiles. A recent study showed over 40% of home owners have planned home improvements sometime in the next 12 months. Are you one of them? If so, creative financing might help you. Or how about buying a home with no money down or even getting money to get one? Now that's creative! <br><br> There is an option for many people that can't qualify for conventional mortgages or unable to take advantage of FHA or VA loans. The option is often referred to as non-conforming or B/C financing. We like to think of it as creative financing. It is creative because this form of financing will overcome hurdles that would be impossible with other types of loans. Creative financing allows for 100% or more financing. It allows cash out with no seasoning (meaning that if you got a great deal on a home you might actually be able to put money in your pocket immediately after buying it). There are many forms of no income verification options. Title I look-alikes offer financing in excess of your home's value. And since that's only the beginning you probably see why we think of it as creative financing! </td></tr> <tr><td class=titles style="font-size:15pt;"> <br>Key Benefits of Creative Financing </td></tr> <tr><td style="font-size:13pt;font-family:Arial;"> <br><ul><li>Provides options for borrowers with less than agency quality credit <br><li>More flexible financing options allow up to 125% financing <br><li>Less stringent documentation requirements allow for difficult to prove income or assets </ul></td></tr>  <tr><td align=center class=bodys><hr width=75%><a name="apply"></a><u>Apply Now</u></td></tr> </td></tr></table> <table align=center border=0 cellspacing=0 cellpadding=0 width=75%> <tr><td colspan=2 align=center style="font-size:12pt; font-family:Arial;"> <hr width=100%><b>Loan & Property Information</b> </td></tr> <tr><td align=left style="font-size:12pt; font-family: Arial;"> How much do you need to borrow? </td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <input type=text name="data[borrow]" style="width:100%;"> </td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;"> What is the price or value of the home?</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <input type=text name="data[homevalue]" style="width:100%;"> </td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;"> What type of loan do you need?</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <select name="data[loantype]" style="width:100%;"> <option value="Purchase a home">Purchase a home <option value="Refinance an existing loan">Refinance an existing loan </select></td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;"> Home Equity (cash out or bill consolidation)</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <input type=text name="data[homeequity]" style="width:100%;"></td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;"> Home Improvement</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <input type=text name="data[homeimprovement]" style="width:100%;"> </td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;">Property Address:</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <input type=text name="data[propertyaddress]" style="width:100%;"></td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;">State</td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"> <select name="data[propertystate]" style="width:100%;"> <option value="CA">California <option value="CO">Colorado <option value="FL">Florida <option value="GA">Georgia <option value="IL">Illonois <option value="IN">Indiana <option value="IA">Iowa <option value="KS">Kansas <option value="LA">Louisiana <option value="MS">Mississippi <option value="MO">Missouri <option value="MT">Montana <option value="NC">North Carolina <option value="OK">Oklahoma <option value="SC">South Carolina <option value="TN">Tennessee <option value="TX">Texas <option value="UT">Utah <option value="VA">Virginia <option value="WV">West Virginia <option value="WI">Wisconsin </select> </td></tr> <tr><td align=left style="font-size:12pt;font-family:Arial;"> Type of Property:</td> <td align=right style="font-size:12pt;font-family:Arial;"> <select name="data[typeofproperty]" style="width:100%;"> <option value="Primary Residence">Primary Residence <option value="Second/Vacation">Second/Vacation <option value="Investment">Investment </select></td></tr> </table><br> <table border=0 cellspacing=0 cellpadding=0 width=75% align=center> <tr><td colspan=3 align=center style="font-size:12pt;font-family:Arial;"><b>Borrower Information</b></td></tr> <tr> <td width=25%> </td> <td align=center width=50% style="font-size:12pt;font-family:Arial;"><b>Borrower</b></td> <td align=center style="font-size:12pt;font-family:Arial;"><b>Co-Borrower</b></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Full Name:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowername]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowername]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Address:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borroweraddress]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborroweraddress]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">City, State, Zip:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowercity]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowercity]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Home Phone:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowerhomephone]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowerhomephone]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Work Phone:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowerworkphone]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowerworkphone]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Employer:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borroweremployer]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborroweremployer]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Time Employed:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowertimeemployed]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowertimeemployed]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Monthly Income:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowerincome]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowerincome]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">E-Mail:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borroweremail]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborroweremail]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">How & When to Contact:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowercontact]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowercontact]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Social Security #:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowerssn]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowerssn]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">Date of Birth:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><input type=text name="data[borrowerdob]" style="width:50%;"></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><input type=text name="data[coborrowerdob]" style="width:100%;"></td> </tr> <tr> <td width=25% align=left style="font-size:12pt;font-family:Arial;">My Credit History:</td> <td width=50% align=center style="font-size:12pt;font-family:Arial;"><select name="data[borrowercredit]" style="width:50%;"> <option value="excellent">excellent <option value="good, but some lates">good, but some lates <option value="major credit problems">major credit problems <option value="don't know">don't know </select></td> <td width=25% align=right style="font-size:12pt;font-family:Arial;"><select name="data[coborrowercredit]" style="width:100%;"> <option value="excellent">excellent <option value="good, but some lates">good, but some lates <option value="major credit problems">major credit problems <option value="don't know">don't know </select></td> </tr> <tr><td colspan=3 align=center style="font-size:12pt;font-family:Arial;"> <br>  By submitting this on-line application, I/We authorize Transatlantic Mortgage Services to check my/our credit, business, and employment status and histories.<br><br>   Thank you for pre-qualifying for a mortgage loan with us. A loan officer will contact you within 24 hours to provide you with answers to your financial needs. <br><br><input type=submit value="Submit Application"> </td></tr> </table> <table border=0 cellspacing=0 cellpadding=0 width=75% align=center> <tr><td class=titles style="font-size:14pt;"> <br>Pricing for mortgages can change daily or even hourly depending upon market conditions. <br>Please call us for a quote regarding current rates and terms. </td></tr> </table> </form> </Body>