1. 27 Criteria for Quoting Rates
1. Loan Size 15. Debt Ratio
2. LTV 16. Housing Ratio
3. CLTV 17. Improvements Needed
4. Credit Score 18. Employment Type
5. Credit History 19. Employment History
6. Escrow Preference 20. Documentation Type
7. Closing Date 21. Transactional DI
8. Loan Type 22. Re-castable
9. Property Type 23. Relocation
10. Occupancy Type 24. Seller Contributions
11. Residency 25. Gi s
12. Available Assets 26. Cash-out
13. Asset Seasoning 27. Points Charged Up Front
14. Co-borrowers
Don’t be fooled by marketing of interest rates. If you or your clients are not being
asked about these criteria, you’re not getting the whole truth. Please feel free to
contact me. I look forward to delivering all the answers you need up front.
e mission of Academy Mortgage Corporation is to provide our clients with the very best service
in the mortgage industry. We o er expert mortgage advisors, consistently low interest rates, exible
loan programs, personal education and direction to our clients.
Scott Schultheis
Loan Officer
LO NMLS #819270 AZ License #0918967
PHONE: 480.767.7886
CELL: 480.420.9239 15333 N. Pima Road
FAX: 877.820.8957 Suite #205
Scottsdale, AZ 85260
scott.schultheis@academymortgage.com
www.academymortgage.com/scottschultheis
Company License # 0904081 Company NMLS ID # 3113 EQUAL HOUSING
LENDER