Mortgage Application - Preferred Lender citiCapital

Contrary to popular belief it is possible to get a mortgage without perfect credit, we make it happen all day everyday. While this does not mean everyone will qualify, it does mean if you have a FICO credit score higher than 550 as well as a few other factors going for you, you may qualify for a home loan with citiCapital Real Estate and Mortgage LLC.

What are the other factors that come in to play? They are:

No late’s on trade lines within the last year. The bumps on your credit report must be older than a year, this shows a pattern of upward progress.
No late’s on your monthly rent. The bank will ask to see rental history, is must be clean. Old broken leases or late payments should not be a problem, but again we need to show a pattern of upward progress.
Money saved in your bank accounts. It really helps if we can show you have the ability to save. It’s also a big plus if you have a 401k, retirement accounts, or other savings accounts.
Stable employment is a big plus. 2+ years employment is considered stable.

If you meet all, or most of this criteria there is an excellent chance we can qualify you for a mortgage. If not, you have two options:

Wait until you meet all or most of this criteria. We can help you find a rental until you do.
If you have a down payment of 10-12% of the price of the home we may be able to get you into a rent-to-own home.

Fill out the form below to apply for a Mortgage with citiCapital. You may also contact Juan below…

Juan Carrizales
citiCapital Real Estate and Mortgage
100 NE Loop 410 Suite 965
San Antonio, Texas 78216
Cell: 210-379-9534

Borrowers Information	First Name: *	Co-Borrowers Information	First Name:
	Middle Name:		Middle Name:
	Last Name: *		Last Name:
	Suffix:		Suffix:
	E-Mail Address: *		E-Mail Address:
	Social Security Number:		Social Security Number:

Note: If you are uncomfortable entering your social security number, leave it blank and CitiCapital will contact you by phone to ask for this information.

	Date of Birth:		Date of Birth:
Borrowers Information	Employer: *	Co-Borrowers Information	Employer:
	Years at Job: *		Years at Job:
	Work Title: *		Work Title:
	Gross Yearly Income: *		Gross Yearly Income:

Contact Information

Home/Cell Phone: *

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Current Address: *

City: *

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Currently: *RentOwnLive With Parents

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Financial History

Any judgements within the past seven years? *
Any liens within the past seven years? *
Any foreclosures within the past seven years? *
Any bankruptcies within the past seven years? *