CREATIVE HOME BUYING SOLUTIONS, INC.

 

If you do not already have approval for your financing elsewhere and need our help, our process begins with an application to see what is possible. You can complete it below online or if you would like you can call the office at 419-586-8220, 9am to 5 pm Monday, Tuesday and Thursday, 9am to 6pm Wednesday, and 9am to 4pm Friday and we will take one over the phone. It will take us a few days to process the application. We will then call you back with the details of what will be possible for your particular situation. We are willing to review anyone's situation free of charge. We will only process applications  that are completely filled out.  Thank You for your interest.

REQUEST FOR CREDIT REVIEW

    Date

E-mail Address       

Applicant Name         SSN  Birth Date

  SSN  Birth Date  

Current Address          City, State, Zip         

Phone                        Best time to call





LAST 2 YEARS EMPLOYMENT HISTORY & INCOME


Applicant

 

What is your source of income?


W2 (Paycheck)

1099

CASH

Self-Employed




Last 2 years work history



Employer                   Time on job              Pay Rate per hour       Avg. hours per week

               

               

               

               

Has any of the above employment been through a temporary service and if so which one(s)?

Co-Applicant

Employer                   Time on job              Pay Rate per hour       Avg. hours per week

               

               

               

               

Has any of the above employment been through a temporary service and if so which one(s)?

Do you pay child support?          yes   no  

Amount per month   

County paid to   

Do You receive child support ?   yes   no 

Amount per month   

County received from  

How much additional income do you receive from other sources per month ?

Source of additional income?

 

RENTAL HISTORY

Current monthly rent amount?   Paid by:   cash  check  money order

Do you have receipts or canceled checks for the last 12 months yes   no

How long have you rented here ?  

Have you paid your rent on time in the last 12 months? yes   no

 

OTHER INFORMATION

Have you filed your taxes the last 2 years yes   no

Have you owned a home in the last 3 years ?    yes   no

If needed, do you have a co-signer available ?   yes   no           Who ? 

Number of children living with you ?  

What is the maximum total monthly house payment you feel you can afford ?  $

If any, what type of construction/remodeling skills do you have? 

how would you rate these skills (average, good, excellent...etc.)?   

Would you be willing to do work on a home as a down payment?    yes    no

 

CREDIT ISSUES

Are you currently in a Foreclosure or Bankruptcy?    yes    no

How would you rate your credit payment history the last 12 months ? good   fair  poor

Have you written any non-sufficient funds checks in last 2 months ?  yes   no

Have you had any payments 30 days late in the last 12 months ?   yes   no

Do you have a good payment history with your car insurance and utilities ?  yes   no

Is it OK to pull credit  for Applicant and Co-Applicant ?   yes   no

Briefly explain any credit issues such as Bankruptcy, Foreclosure, Repossessions, Collections, Judgments or Late payments. Please include approximate dates.

Alternate lines of credit Check any of the following items you have paid on in the last 12 months.

Internet Service  Cable/Satellite  Phone   Uniforms
Cell Phone/Pager Storage Unit  Water Car Insurance
Health Insurance Electric Babysitter/Daycare Buy here/Pay here
Rent History Rent-a-center  Rental Insurance Life Insurance
Gas (propane, natural gas, etc.) Trash Pick up

                                                                                                                

MONTHLY DEBT 

 Monthly bills other than rent, utilities, cable, phone, food and clothing. Things such as car payments, rent-a-center payments, furniture payments, etc. 

Type                                                 Monthly Payment                Months left on loan

                                  

                                  

                                  

                                  

 

FUNDS AVAILABLE FOR PURCHASE

Total of funds you have available for down payment and closing cost ?  

Source of those funds

How much do you have in your 401k ?   

How much is available through a gift from family or friends ?  

How much and when will you be receiving any additional funds, such as tax refund, work bonus or inheritance ?

Do you own a credit card ?  yes   no

ASSETS

List type and value of any large items owned such as cars, boats, jet ski, 4 wheeler, wide screen TV, motorcycle, antiques, snow mobiles, etc.

Any additional information you would like us to know?

How did you here about us?
Signs (in the area)  Signs (in front of the house)    Through the mail
Flyers    Newspaper add       Internet Search
 Friend/Referral/Other

 

Send mail to chbs@bright.net with questions or comments about this web site.