1. Mortgage Planning Information
“Most people spend more time researching the VCR or DVD player they plan to buy than they do making
sure the mortgage they select is right for their specific financial needs. A DVD player costs $100 - $200
but most homeowner’s will pay $10,000 - $50,000 per year on their mortgage payments. Make sure you
work with a mortgage planner who takes the time to structure your mortgage loan so that it works well
with your overall financial strategy.” -Barry Habib, CNBC
Answering the questions below will allow me to prepare financing options that are most
appropriate for your specific needs. I can integrate the financing that you select into your overall
long and short-term financial goals and your payment and equity objectives.
What is the spelling of your first name and the spelling of your last name?
What is your mailing address?
What is your home, office phone, cell #?
How long do you think you will own this home?
What is your current loan balance?
What is your current interest rate?
What are other homes like yours selling for in your neighborhood?
On a scale of 1-10, how do you rate your credit – 10 being best?
What is your birth date?
What is your birth date?
In how many years do you plan to retire?
It is important to know that if you talk to other lenders to compare rates, make sure you compare
the Total Cost of the loan over time because the single most critical element of your mortgage is
the Total Cost of you loan over time.
What will be your age based on your current financing when the present mortgage is paid off?
As real estate for many clients can and usually is one of the largest assets in their complete
financial portfolio, have you examined the taxation and overall impact of acquiring a mortgage.
Have you investigated some of your options to use your mortgage to accomplish some of your
other financial goals?
What is your present monthly payment?
How old do you want to be when your home is paid off?
Do you currently plan on making any major purchases within the next 12 months including home
improvement, car, rental properties, etc?
Do you have in place a living trust or a will?
Have you talked with other lenders?
If so, which loan program do you like best so far?
There are a few priorities most of my clients have in obtaining a loan. The most common ones
are that they are looking for the loan with the lowest interest rate or the loan structure with the
overall lowest cost, which is not always the loan with the lowest interest rate. Some are seeking
the lowest upfront cost, speed of loan processing, documentation required, what's important to
you?

2. 1. What is your best estimate for how long you may live in this home?
1-3 3-5 5-7 7-10 10-15+ yrs
2. Do you plan to make additional principal reduction payments in addition to your scheduled
monthly mortgage payments?
Yes No
3. Of the following financial goals, which would you say is a top priority,
Currently: (select all that apply)
___Improve monthly cash flow ___ Create a 6-12 month cash reserve account
___Maximize retirement savings ___ Maximize investment contributions
___Maximize education savings ___ Maximize investment portfolio performance
___Live comfortably on one income ___ Live comfortably on a fixed income
___Create a comprehensive financial plan ___ Other
4. Which of the following is most important regarding your mortgage financing:
(Select all that apply)
___ Determine maximum purchase price and loan amount I can qualify for
___ Determine purchase price and loan amount appropriate for my income and lifestyle
___ Obtain a targeted monthly mortgage amount
___ Purchase a home within a specific budget down payment and closing costs
___ Have ability to sell, pay down, payoff, or refinance home without penalty
___ Maximize tax benefits
___ Avoid mortgage insurance
___ Include improvements to home in financing
___ Qualify for new home prior to, or without sale of existing home
___ Other: __________________________________________________________________
5. Who should my team and I consider as the primary contact throughout the loan process?
___ Myself ___ Spouse ___ Both Other: ____________________________
6. We have found that the most efficient means of routine communication during the loan
process is e-mail. If there is a need for immediate communication we will call. If for any
reason e-mail is not a convenient means of communication please specify your preference:
__________________________________________________
Presented by Robert Ratimorszky
GSF Mortgage Corporation
999 Plaza Drive Schaumburg, IL 60143
Direct: 847-774-9657
Email: ratimortgage@gmail.com