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My Background
                           •   Experience
                                – Licensed California Residential Mortgage Broker
                                – HomeQuest Mortgage Corp Serving California since 1996
                                – FHA, VA, CalHFA, Approved Lender
                                – Conventional and Jumbo Loans up to $3,000,000
                                – Offering Over 100 loan programs from Major National,
                                  Regional and Community lenders
                                – Prior 25+ Year Sales and Marketing Career as an
                                  Executive Leading Fortune 500 Technology Sales
                                  Organizations
                           •   Professional Credentials & Affiliations
                                – Passed National and State SAFE ACT Exams
Thomas Drasler                  – Member of the National Association of Mortgage Brokers
 DRE#1775516 NMLS#297791
                                – Member of California Association of Mortgage Brokers
714-478-3153 Direct             – B.S. in Marketing from Arizona State University
949-460-7799 Office             – Native Arizona Phoenician
  HomeQuest Mortgage
                                – Married to Debbie and have 2 Boys; Thomas (14) and
     Corporation
www.DraslerHomeLoans.com
                                  Connor (12)
 Conventional – FHA - VA        – Active Member of Mission Basilica Catholic School and
                                  Parish
Loan Qualification
      101
      Hosted by
    Thomas Drasler
HomeQuest Mortgage Corp.
  Conventional – Non Conforming – FHA
      25283 Cabot Road, Suite 108
        Laguna Hills, CA 92653
       714-478-3153
     www.DraslerHomeLoans.com
Your Credit Score
Credit Scores
• Determine the loan programs available to
  you
• Determine the reliability of the borrower to
  repay the loan
• Estimate the level of risk to the Lender or
  Investor
Loan Qualification is Based
          on Five Factors
•   Credit History
•   Income
•   Debt-to-Income Ratio
•   Employment History
•   Property Value
Generating a Credit Score
• Equifax
• Trans-Union
• Experian

• Note: Lenders generally use the
  median score from the three agencies and
  must be pulled by Lender/Broker.
FICO Scale
•   740 and higher: minimum default risk
•   700-719: low default risk
•   680-699: higher default risk
•   679 and lower: very high default risk

• Note: Higher risk determines a higher
  interest rate.
Documentation Required
Income Information:
•Last two years personal federal tax returns & W2’s, 1099’s, corporate returns, K1’s
•Most recent paystubs for past 30 day period
•Written explanation if employed less than two years or gap of employment in last two years
•Proof of retirement income, pensions and/or social security
•Proof of child support – 12 months cancelled checks Copy of drivers license(s)

Credit and Asset Information:
•Last three months of asset statements
•Most recent quarterly 401k or IRA statement
•Landlord name, phone, and address (if applicable)
•Copy of divorce decree (if applicable)
•Copy of complete bankruptcy papers including discharge papers and explanation of
circumstances leading up to the bankruptcy
•Credit explanation letter for any late payments, collections, judgments
•Documentation (bank image or deposit check) for any large deposits outside of payroll or
gift fund deposits
Documentation Needed (cont’d)
Other Information:
•Copy of drivers license(s)
•Copy of homeowners insurance – policy declaration page

Self Employed, Rental Property Owners, Commission/Bonus Income Applicants:
•Partnership tax returns – last two years
•Corporate tax returns – last two years
•K1’s (if applicable)
•Copy of rental property lease agreements – if NOT on schedule E of tax return
ANY QUESTIONS
                ??????

Call me with any questions or refer me to anyone
you know who is looking to refinance or purchase
             residential real estate:
          Tom Drasler – Call 714-478-3153
        or visit www.DraslerHomeLoans.com



          THANK YOU!
Recommendations
•   “I have referred many clients to Tom who does an outstanding job. He is very detail oriented and stays in touch on a
    continual basis so the client is always informed thru the entire process. I appreciate his integrity as well as his
    professionalism. "August 22, 2012
•   1stCheryl Eagleson, Broker/Agent, First Team Real Estate
    was with another company when working with Tom at HomeQuest Mortgage Corporation
•   “I was first given Tom's name by a friend of mine at work. Based on his recommendation I contacted Tom about re-
    financing our home. Tom is very personable, with a vast knowledge of the mortgage industry. We were able to get our
    home re-financed in a very timely fashion with no stress. Tom and his team did a fantastic job for us and they can do
    the same for you as well.”August 6, 2012
•   Top qualities: Personable, Expert, High Integrity
•   1stBill Mazelin
    hired Tom as a Home Mortgage Re-Finance in 2012
•   “We had an excellent experience refinancing our mortgage with Tom. We asked a lot of questions and found him to be
    knowledgeable and forthcoming with the answers. He made the process easy. We are very satisfied with the
    result.”August 1, 2012
•   Top qualities:Personable, Expert, On Time
•   1stLeila Hans
    hired Tom as a Mortgage broker in 2012
•   “If you are looking for top notch home loan company, I would recommend Tom Drasler and HomeQuest Mortgage for
    your home loan needs. Tom and his team provided great service every step of the way and made sure that we had a
    stress free experience. Great job, Tom. Thank you.”May 25, 2012
•   Top qualities:Great Results, Personable, High Integrity
•   1stGreg Davidson
    hired Tom as a Financial Advisor in 2012
References (cont’d)
•   “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his
    excellent leadership, competence and credibility with customers. Over time I learned to rely on his sound business
    judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when
    we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real
    difference. Tom is an excellent communicator and was always available for questions, while managing the funding
    process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always
    up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without
    reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of
    the best in the business!

    James Barrette”February 13, 2012
•   Top qualities:Great Results, Expert, High Integrity
•   1stJames Barrette
    hired Tom as a Financial Advisor in 2012
•   “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue
    to leverage his knowledge and experience on any home or real estate investment.Tom is the consumate professional
    that I trust. He looks out for my best interest and I would recommend him to anyone I know.”December 4, 2011
•   Top qualities:Great Results, Expert, High Integrity
•   1stStephen Stebbins
    hired Tom as a Financial Advisor in 2009
•   “" I called Tom and found out that since he was an independent mortgage broker, he had many lenders and programs
    to choose from, many more than my local retail bank. Not only did he get me a low interest rate, he was able to close
    my loan in less than 30 days. Tom is the consummate professional who took the time to analyze my requirements and
    present options that mapped to my personal financial goals. His mortgage experience, knowledge and competent staff
    made the process painless. I confidently recommend Tom."
    Elise Sperber - mortgage customer”November 18, 2011
•   Top qualities:Personable, On Time, High Integrity
•   1stBrent Wanstreet MBA, SFR, Realtor / SFR, First Team Real Estate
    was with another company when working with Tom at HomeQuest Mortgage Corporation
•   “Tom Drasler and Sherri Owen went way above and beyond the call of duty when assisting me with the purchase of my
    first home last year. I highly recommend working with them if you would like someone knowledgeable, professional,
    honest, and with heart. They both spent many hours helping me to understand the industry, which included some of
    their own personal time. Their responses to all my inquiries were quick and direct and they made sure I was able to
    lock in the best interest rate. My own personal experience of purchasing a short sale home was a year-long nightmare,
    which I couldn’t have gotten through without them.”March 9, 2012
•   Top qualities:Great Results, Expert, High Integrity
•   1stAnn Grassick
    hired Tom as a Home Mortgage Consultant in 2011
•   “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his
    excellent leadership, competence and credibility with customers. Over time I learned to rely on his sound business
    judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when
    we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real
    difference. Tom is an excellent communicator and was always available for questions, while managing the funding
    process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always
    up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without
    reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of
    the best in the business!

    James Barrette”February 13, 2012
•   Top qualities:Great Results, Expert, High Integrity
•   1stJames Barrette
    hired Tom as a Financial Advisor in 2012
•   “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue
    to leverage his knowledge and experience on any home or real estate investment.Tom is the consumate professional
Tom Drasler
              Licensed Mortgage Advisor
                DRE#1775516 NMLS#297791
             www.DraslerHomeLoans.com
                   714-478-3153

              25283 Cabot Road, Suite 106
                Laguna Hills, CA 92653


“Your Mortgage Consultant for Life”
     Serving Southern California since 1996

 Knowledgeable – Experienced – Ethical
    Personalized Service – Choice

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Bni loan qualification_101

  • 1. My Background • Experience – Licensed California Residential Mortgage Broker – HomeQuest Mortgage Corp Serving California since 1996 – FHA, VA, CalHFA, Approved Lender – Conventional and Jumbo Loans up to $3,000,000 – Offering Over 100 loan programs from Major National, Regional and Community lenders – Prior 25+ Year Sales and Marketing Career as an Executive Leading Fortune 500 Technology Sales Organizations • Professional Credentials & Affiliations – Passed National and State SAFE ACT Exams Thomas Drasler – Member of the National Association of Mortgage Brokers DRE#1775516 NMLS#297791 – Member of California Association of Mortgage Brokers 714-478-3153 Direct – B.S. in Marketing from Arizona State University 949-460-7799 Office – Native Arizona Phoenician HomeQuest Mortgage – Married to Debbie and have 2 Boys; Thomas (14) and Corporation www.DraslerHomeLoans.com Connor (12) Conventional – FHA - VA – Active Member of Mission Basilica Catholic School and Parish
  • 2. Loan Qualification 101 Hosted by Thomas Drasler HomeQuest Mortgage Corp. Conventional – Non Conforming – FHA 25283 Cabot Road, Suite 108 Laguna Hills, CA 92653 714-478-3153 www.DraslerHomeLoans.com
  • 4. Credit Scores • Determine the loan programs available to you • Determine the reliability of the borrower to repay the loan • Estimate the level of risk to the Lender or Investor
  • 5. Loan Qualification is Based on Five Factors • Credit History • Income • Debt-to-Income Ratio • Employment History • Property Value
  • 6. Generating a Credit Score • Equifax • Trans-Union • Experian • Note: Lenders generally use the median score from the three agencies and must be pulled by Lender/Broker.
  • 7. FICO Scale • 740 and higher: minimum default risk • 700-719: low default risk • 680-699: higher default risk • 679 and lower: very high default risk • Note: Higher risk determines a higher interest rate.
  • 8. Documentation Required Income Information: •Last two years personal federal tax returns & W2’s, 1099’s, corporate returns, K1’s •Most recent paystubs for past 30 day period •Written explanation if employed less than two years or gap of employment in last two years •Proof of retirement income, pensions and/or social security •Proof of child support – 12 months cancelled checks Copy of drivers license(s) Credit and Asset Information: •Last three months of asset statements •Most recent quarterly 401k or IRA statement •Landlord name, phone, and address (if applicable) •Copy of divorce decree (if applicable) •Copy of complete bankruptcy papers including discharge papers and explanation of circumstances leading up to the bankruptcy •Credit explanation letter for any late payments, collections, judgments •Documentation (bank image or deposit check) for any large deposits outside of payroll or gift fund deposits
  • 9. Documentation Needed (cont’d) Other Information: •Copy of drivers license(s) •Copy of homeowners insurance – policy declaration page Self Employed, Rental Property Owners, Commission/Bonus Income Applicants: •Partnership tax returns – last two years •Corporate tax returns – last two years •K1’s (if applicable) •Copy of rental property lease agreements – if NOT on schedule E of tax return
  • 10. ANY QUESTIONS ?????? Call me with any questions or refer me to anyone you know who is looking to refinance or purchase residential real estate: Tom Drasler – Call 714-478-3153 or visit www.DraslerHomeLoans.com THANK YOU!
  • 11. Recommendations • “I have referred many clients to Tom who does an outstanding job. He is very detail oriented and stays in touch on a continual basis so the client is always informed thru the entire process. I appreciate his integrity as well as his professionalism. "August 22, 2012 • 1stCheryl Eagleson, Broker/Agent, First Team Real Estate was with another company when working with Tom at HomeQuest Mortgage Corporation • “I was first given Tom's name by a friend of mine at work. Based on his recommendation I contacted Tom about re- financing our home. Tom is very personable, with a vast knowledge of the mortgage industry. We were able to get our home re-financed in a very timely fashion with no stress. Tom and his team did a fantastic job for us and they can do the same for you as well.”August 6, 2012 • Top qualities: Personable, Expert, High Integrity • 1stBill Mazelin hired Tom as a Home Mortgage Re-Finance in 2012 • “We had an excellent experience refinancing our mortgage with Tom. We asked a lot of questions and found him to be knowledgeable and forthcoming with the answers. He made the process easy. We are very satisfied with the result.”August 1, 2012 • Top qualities:Personable, Expert, On Time • 1stLeila Hans hired Tom as a Mortgage broker in 2012 • “If you are looking for top notch home loan company, I would recommend Tom Drasler and HomeQuest Mortgage for your home loan needs. Tom and his team provided great service every step of the way and made sure that we had a stress free experience. Great job, Tom. Thank you.”May 25, 2012 • Top qualities:Great Results, Personable, High Integrity • 1stGreg Davidson hired Tom as a Financial Advisor in 2012
  • 12. References (cont’d) • “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his excellent leadership, competence and credibility with customers. Over time I learned to rely on his sound business judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real difference. Tom is an excellent communicator and was always available for questions, while managing the funding process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of the best in the business! James Barrette”February 13, 2012 • Top qualities:Great Results, Expert, High Integrity • 1stJames Barrette hired Tom as a Financial Advisor in 2012 • “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue to leverage his knowledge and experience on any home or real estate investment.Tom is the consumate professional that I trust. He looks out for my best interest and I would recommend him to anyone I know.”December 4, 2011 • Top qualities:Great Results, Expert, High Integrity • 1stStephen Stebbins hired Tom as a Financial Advisor in 2009 • “" I called Tom and found out that since he was an independent mortgage broker, he had many lenders and programs to choose from, many more than my local retail bank. Not only did he get me a low interest rate, he was able to close my loan in less than 30 days. Tom is the consummate professional who took the time to analyze my requirements and present options that mapped to my personal financial goals. His mortgage experience, knowledge and competent staff made the process painless. I confidently recommend Tom." Elise Sperber - mortgage customer”November 18, 2011 • Top qualities:Personable, On Time, High Integrity
  • 13. 1stBrent Wanstreet MBA, SFR, Realtor / SFR, First Team Real Estate was with another company when working with Tom at HomeQuest Mortgage Corporation • “Tom Drasler and Sherri Owen went way above and beyond the call of duty when assisting me with the purchase of my first home last year. I highly recommend working with them if you would like someone knowledgeable, professional, honest, and with heart. They both spent many hours helping me to understand the industry, which included some of their own personal time. Their responses to all my inquiries were quick and direct and they made sure I was able to lock in the best interest rate. My own personal experience of purchasing a short sale home was a year-long nightmare, which I couldn’t have gotten through without them.”March 9, 2012 • Top qualities:Great Results, Expert, High Integrity • 1stAnn Grassick hired Tom as a Home Mortgage Consultant in 2011 • “Tom and I first met when he hired me to join his sales team at Data General. I quickly came to appreciate Tom for his excellent leadership, competence and credibility with customers. Over time I learned to rely on his sound business judgment and personal integrity. With that experience, I was confident that Tom would provide superb guidance when we contacted him recently for a new home mortgage. Tom's ability to help us navigate the process made a real difference. Tom is an excellent communicator and was always available for questions, while managing the funding process so that there were no surprises and no loose ends. In summary, Tom is a top notch professional, that is always up front and truly committed to exceeding customer expectations. I would recommend Tom to anyone, without reservation! You can count on Tom to be a trusted adviser and have confidence that your loan is in the hands of one of the best in the business! James Barrette”February 13, 2012 • Top qualities:Great Results, Expert, High Integrity • 1stJames Barrette hired Tom as a Financial Advisor in 2012 • “I'm a former colleague of Tom's and he is my preferred source of mortgage advice and refinancing. I plan to continue to leverage his knowledge and experience on any home or real estate investment.Tom is the consumate professional
  • 14. Tom Drasler Licensed Mortgage Advisor DRE#1775516 NMLS#297791 www.DraslerHomeLoans.com 714-478-3153 25283 Cabot Road, Suite 106 Laguna Hills, CA 92653 “Your Mortgage Consultant for Life” Serving Southern California since 1996 Knowledgeable – Experienced – Ethical Personalized Service – Choice