1) Aggressive rates on Jumbo loans
2) Construction Loans
3) State Income (self �employed)
4) Trailing spouse programs
5) Zero Down � First time buyer loans
6) Creative Financing Options:
     o Interest Only Loans
     o 40 year mortgages
     o Little or no verification loans
     o 100% financing available
     o Bond Money
     o No PMI loans

The Tennessee Valley�s Relocation Experts!
Let Jonathan Smith make your relocation a breeze!  He will guide you step by step through the loan approval process finding the best program to suit your needs and budget.

Know what you can buy before you start shopping houses or make an offer.  Jonathan will take the stress out of moving and the hassle out of relocating when you call Platinum First!

Let Jonathan take you step by step through the loan approval process so you will know what you can buy before you make an offer.  Platinum Mortgage � The Relocation Experts.

The First Step
At this point you have probably spent numerous hours scouting out the neighborhoods, pouring over floor plans, thinking about amenities and all of the other factors that will help you in your decision-making.  Now, it is time to take the next step and arrange financing of your new home.

Home Loans Pre-Qualification vs. Pre-Approval
One surefire way to reduce stress during the process of home buying is to seek pre-approval, actually applying for a loan before finding a house.  The loan agent assembles a credit package that includes a loan application, credit report, income and asset information, and supporting documentation.  These documents are then submitted to prospective lenders who underwrite the file, issuing credit approval or denial.

Buyers who are pre-approved are taken more seriously than their pre-qualified counterparts.  Pre-qualification is not a loan commitment from a lending institution; it is only a loan agent�s opinion that you will be able to obtain financing.  Verifications are not usually made so formal approval is not issued.

Pre-approval, on the other hand, signifies that the lender has taken the application through a rigorous procedure.  So buyers with pre-approval status can basically write their own ticket.

Benefits of pre-approval:
1)  Understanding the breadth of you financial reach will save the time spent looking at
     houses you can�t afford.

2) Allows you to settle on a house payment that fits your lifestyle.

3) Having a pre-approval letter from a lender gives you an edge in a situation where multiple
    offers have been made on a house.

4) Pre-approved buyers can generally close escrow more quickly.  Once you submit your
    credit package, most of the legwork has already been done.

What Can I Afford and How Much Can I Borrow?    >>> SEE CHART
Achieving the American dream of Homeownership is easier than you might think.  One for the first steps in reaching this goal is to understand what you will be able to borrow and determining a monthly payment you can afford.  The mortgage industry has adopted several rules of thumb that will help you get the ball rolling.

Click on the following link to help you convert your annual income into a monthly payment and give you an idea as to the amount you will be able to borrow. This information is designed to give you a basic idea of what to expect as a homebuyer.  It is important to recognize that your specific situation is unique and there are numerous loan programs to choose from.  Platinum is there to help you evaluate your options and select the program that will be most advantageous.

Together, Covenant Homes and Platinum Mortgage will find the best home and mortgage for you!