When you choose to work with a loan officer, the process will probably start with a preliminary conversation, by phone, in person, or by mail/e-mail to access whether the possibility of purchasing or refinancing is close to reality. The conversation will include financial pre-qualification, setting realistic expectations, and determining any time frames you may have. Do you have to sell another home first, save for your down payment, wait for an investment to mature, or wait for the end of your lease? You will need to be prepared to divulge accurate information about your income (before taxes) from all sources, your work history for the last 2 years, your current debts and payment amounts, your credit history, your current assets and cash available for a down payment and closing costs. This information enables the loan officer, in about 10 minutes, to evaluate whether your financial situation will allow you to qualify for the loan that you want, or whether you will qualify for more of a loan given your own comfort level. You get a clear understanding of what the process involves, likely house payments and loan costs. If you want to continue, you can fill out an application for a pre-approved loan: this is a loan commitment with no conditions except for clear title and appraisal. You have four choices to apply for a loan:

1. For same day approval during the work week call Jack Leachman directly at 866-263-0593. If I am not available and one of my team has not taken care of you, please leave me a detailed voice mail with your name, phone numbers, and the best time to reach you. Please fax your completed application to 828-251-9229 along with your signed authorization and disclosure forms. If your situation is straightforward enough to go through our automated approval system, we will get your application approved within 24 hours of receiving it, If the system will not take it, we will call you and then run it through the traditional way.

2. Download the application, and fax it to Jack Leachman at 828-251-9229 We will call you back within 24 hours (excluding weekends) to discuss the application and have you mail us the supporting documentation. You can also mail the application to: Jack Leachman Mortgage Trading Group, Inc. 41 Clayon Street, Asheville NC 28801

3. Apply on-line using our secure server - same follow up as above.

4. Call us at 866-263-0593 to apply by phone. We can fill out the forms over the phone and fax or mail them to you for your signature. To receive a call back on the weekend, please call my direct voice mail at 828-242-6276

IF YOU APPLY ON-LINE OR BY FAX, WE WILL CREDIT YOU $200 TOWARD FEES AT CLOSING. THIS OFFER IS VOIDED IF YOU CALL WITH QUESTIONS BEFORE SUBMITTING YOUR APPLICATIONS.

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