Time to review your mortgage?

Great! You’ve come to the right place!

Below you will find the steps of our Passionate Loan Process followed by our Mortgage Review Questionnaire. Once you complete this, Troy can begin researching the best available loan programs custom-tailored for YOU.

The Passionate Loan Process:

  • Step 01:  You complete the Questionnaire below.
  • Step 02:  We contact you to review your Questionnaire and order your credit report.
  • Step 03:  We meet and determine loan structure based on your financial goals and needs.
  • Step 04:  We Prepare your written Mortgage Plan and your Application is signed and returned with supporting documents.
  • Step 05:  We order Appraisal, Title, and Insurance.
  • Step 06:  We submit the complete file to an underwriter for final approval.
  • Step 07:  Final conditions are satisfied and Final Approval is issued!
  • Step 08:  Closing documents are sent to the Escrow company, and we send you a copy of the final Settlement Statement to review.
  • Step 09:  CONGRATULATIONS!
    You obtain funds and go to closing to begin your new loan.
  • Step 10:  We stay in touch and our Client For Life philosophy begins where debt becomes wealth!!

Questionnaire:

Note: This is not a loan commitment form, and Applicants must be at least 18 years old to apply.

BORROWER INFORMATION

Full Name:
Marital Status:
Date of Birth:
Social Security Number:
Contact Information:
Home Phone: () -
Work Phone: () -
Cell: () -
Email:
Current Home Address:
Street:
City:
State:
Zip Code:
Year(s) at address:

EMPLOYMENT INFORMATION

Current Employer:
Self-Employed?
Employer Address:
Street:
City:
State:
Zip Code:
Job Description:
Length Of Time In This Line Of Work:
Year(s)
How Long Have You Worked For Your Current Employer:
Year(s) Months
Compensation:
Base Pay Rate: $
Per:
Scheduled Hours: Hours Per Week
Annual Commission: $
Annual Bonus: $
Please list previous and/or secondary employment (we need two years total employment)
Previous Employer:
Self-Employed?
Employer Address:
Street:
City:
State:
Zip Code:
Job Description:
Length Of Time In This Line Of Work:
Year(s)
How Long Had You Worked For This Employer:
Year(s) Months
Employment Start Date:
Employment End Date:
Compensation:
Base Pay Rate: $
Per:
Scheduled Hours: Hours Per Week
Annual Commission: $
Annual Bonus: $

CO-BORROWER INFORMATION

Full Name:
Marital Status:
Date of Birth:
Social Security Number:
Contact Information:
Home Phone: () -
Work Phone: () -
Cell: () -
Email:
Current Home Address:
Street:
City:
State:
Zip Code:
Year(s) at address:

CO-BORROWER EMPLOYMENT INFORMATION

Current Employer:
Self-Employed?
Employer Address:
Street:
City:
State:
Zip Code:
Job Description:
Length Of Time In This Line Of Work:
Year(s)
How Long Have You Worked For Your Current Employer:
Year(s) Months
Compensation:
Base Pay Rate: $
Per:
Scheduled Hours: Hours Per Week
Annual Commission: $
Annual Bonus: $
Please list previous and/or secondary employment (we need two years total employment)
Previous Employer:
Self-Employed?
Employer Address:
Street:
City:
State:
Zip Code:
Job Description:
Length Of Time In This Line Of Work:
Year(s)
How Long Had You Worked For This Employer:
Year(s) Months
Employment Start Date:
Employment End Date:
Compensation:
Base Pay Rate: $
Per:
Scheduled Hours: Hours Per Week
Annual Commission: $
Annual Bonus: $

BORROWER LIQUID ASSETS

Checking/Savings Total:
Approx. Balance: $
Bank(s):
Money Market/CD:
Approx. Balance: $
Bank(s):
Retirement Account (401k, IRA, etc.):
Approx. Balance: $
Institution:
Non-qualified Mutual Funds/Stocks/Bonds:
Approx. Balance: $
Institution:
Life Insurance:
Choose One:
Death Benefit Amount: $
Cash Value: $
Other (GIFT,etc.):
Description:
Amount: $
Bank:

CO-BORROWER LIQUID ASSETS

Checking/Savings:
Approx. Balance: $
Bank(s):
Money Market/CD:
Approx. Balance: $
Bank(s):
Retirement Account (401k, IRA, etc.):
Approx. Balance: $
Institution:
Non-qualified Mutual Funds/Stocks/Bonds:
Approx. Balance: $
Institution:
Life Insurance:
Choose One:
Death Benefit Amount: $
Cash Value: $
Other (GIFT,etc.):
Description:
Amount: $
Bank:

REAL ESTATE OWNED

If applicable fill out the information below:

What Year Did You Purchase Your Home:
Purchase Price: $
Estimated Value: $
Annual Taxes: $
Annual Insurance: $
Escrow Taxes/Insurance?
Rental or Second Home:
Address:
City:
State:
Zip Code:
Year Purchased:
Purchase Price: $
Estimated Value: $
Annual Taxes: $
Gross Monthly Rent: $
Annual Insurance: $
Escrow Taxes/Insurance?

* If you own other (investment) properties, please email a detailed schedule of the real estate owned to this application
including addresses, rents, taxes, insurance, and mortgage payments to Troy at troy.sainsbury@usbank.com.

OTHER IMPORTANT INFORMATION

If applicable fill out the information below:

Vehicle Information:
Make:
Model:
Year:
Vehicle Information:
Make:
Model:
Year:
Credit History:
Number of Dependents:
Do Any Of These Apply To You?
 Bankruptcy
 Divorce
 Judgments
 Tax Liens
 Military Service
 Other:
Additional Comments?

Questionnaire Part Two:

We have developed unique systems to evaluate your mortgage needs and assist you in determining the best mortgage for those needs based on qualifications, how long you expect to have the loan, initial expense, cash flow, taxes and overall total cost of the mortgage.

We are dedicated to providing you with the information you need to make an informed decision. This advisory service is much more than a competitive rate and points quote. Selecting the wrong mortgage program can cost you thousands of dollars and no single loan program is appropriate for every person.

Financing and acquiring real estate should be thought of as an integral part of your overall personal financial plan. To assist us in selecting the most appropriate and cost effective mortgage for your individual needs, please complete the questions below:

How would you like us to stay in contact with you?
(check all that apply)
 E-mail Home Phone Work Phone Cell
This financing request is for:
Type of home you are interested in:
How long do you think you might own this home?
What is your estimated retirement age?
In respect to your retirement planning,
Do you feel you are:
Do you currently have plans for any of these major purchases in the next 12 months?
 Business Start-up Car College
 Home Improvement Medical (scheduled)
 Rental/Investment Properties
Please check the following mortgage finance related items that are most significant to you?
(select all that apply)
 Optimize my investment mix for diversification
 Consolidate debts for reducing overall interest expense and/or increasing cash flow
 Lock in an interest rate and mortgage payment to prevent future payment shocks
 Avoid or eliminate mortgage insurance
 Qualify in the future for new home prior to, or without, sale of existing home
 Other:
Of the following financial goals, which are priorities for you right now?
(select all that apply)
 Improve monthly cash flow
 Tax reduction strategies
 Maximize retirement savings
 Maximize investment contributions
 Maximize education savings
 Maximize asset performance
 Live on one income
 Real estate investment
 Create a comprehensive financial plan
 Pay off non-preferred debt
 Create a larger emergency reserve
 Other:
Would you like to establish an escrow account for property taxes and/or insurance as a part of your new loan?
If you have an existing Home Equity Line of Credit of Loan, would you like to:
If property taxes are due, do you want to:
If there are closing costs, do you want to:
What is the best time of day for you to close?
If you have refinanced this home in the past, when was the last time and what was your reason for doing so?
Please rate your current level of satisfaction in the following areas, on a scale from 0 - 5:

0 = I do not have an advisor in this area
5 = I talk with my advisor periodically,
and my expectations have been exceeded
Attorney - Legal advice
Real Estate Consultant
Insurance – Life / Auto / Home
Financial Advisor – Investment strategy
Income Tax (Preparation and Reduction strategies)
Are you interested in buying real estate for investment purposes?

What is your current strategy for:
Affording college for your children:
Having enough money to retire:
Having the money necessary to get through a financial setback:
What do you perceive as your biggest financial challenges?
(check all that apply)
 Need to save more Too much spending
 Need to increase income Too much credit card debt
 I pay too much tax Other:
Please let us know whom we can thank
for referring you to us?
What did you like most or least about the last loan officer
you worked with?
What else would you like to know before you would consider hiring us?
The chart below illustrates the trade-off between fixed and adjustable interest rates.

Please indicate the best match, based on your preference between a fixed and adjustable interest rate, by choosing the corresponding letter below.
 A B C

3609 University Ave.
Madison, WI  53705

Phone: 608-345-3715
Email: troy.sainsbury@usbank.com
Troy did an exceptional job at communicating with me, explaining the loan process to me, and completing work in a timely fashion. I will recommend him to friends!
- Daniel Gerdman