Hollywood Florida mortgage loans and Broward County home mortgages.

Getting Started

At HT Schoem Mortgage; we want you to stop in or pick up a phone and speak with us. We truly prefer having a chance to meet you. I know I would want to meet the people I might have working on my mortgage. We want to hear the details of your current situation from you along with your real estate financing objectives. You should, “RUN,” not walk from anyone who is not willing to meet with you but wants to pull your credit report. They are doing you a disservice and only protecting their interests. They only want to ensure they don’t invest their time should your credit profile not match the loan products they push or have access too. HT Schoem Mortgage will help you position yourself for a loan approval today, tomorrow or when ever you decide a plan of action should be implemented.

The improper application of mortgage lending products played a major role in the eventual collapse of the housing/credit bubble. Many product launches were promoted as, “when the bank says no; we say YES,” or, “Bad Credit; No Problem,” pitches. The problems arose because the ramifications of, “YES,” were not clearly discussed or disclosed. Many borrowers were put into loan programs just because they could be put into a loan program. Affordability & long term implications were completely ignored.

HT Schoem Mortgage is committed to honest and fair dealings. . “It’s not about funding a loan; it’s about funding the right loan!” Our business philosophy is, “doing the right thing, the business will follow.” We have a responsibility; a duty to proceed in our client’s best interest and we put that in writing. We are the lifeguards on watch over the sea of real estate financing options. These waters can be treacherous; we are here to oversee and assist once given that opportunity. This is what we mean by, “We are their trusted Real Estate Financial Advisers for life.”

Please take a moment and complete the form listed below; this gives the data we need to initially advise you and your family.

Transaction Type
Purchase Price / Current Value of Real Estate
Preferred Loan Amount
Current Mortgage Balance (s) (If applicable)
Property Type Ownership Type If Hazard, Windstorm or Flood insurances are paid via maintenance please mark condominium even if a town home or villa design
Occupancy Status Second Home in lieu of Investment status will warrant additional conversation
Number of Borrowers Borrower defined A borrower is defined as actively participating in the total income utlized for loan qualification. When the property is a primary residence a borrower should be occupying he residence.
Employment Status Employment Continued If a 2nd job is held and the income is expected to be used for loan qualification please indicate so in the comments section. Please list full time, part time and the number of years the 2nd job has been held
Employment Type
Years in Profession or Industry Work Experience Experience does NOT necessarily mean at one specific location; if one is employed as a graphic artist at ABC Printing for 1 year and then moves to CBA Printing for 2 years the total years in profession or industry would be 3.
Credit Rating Important Credit pulls can aversely affect credit score; we do not pull your credit score until the loan scenario is deemed potentially viable in structure. Please be for right with your credit position, it will save you time and aggravation.
Best Number for Contact Area Code Be sure to include area code; thanks
Best Email Address for Contact
Key Contact's Full Name Key Contact This is the bottower or primary borrower in a multiple borrower scenario; thantks.
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