The application is a tool used by the Lender to obtain information. To them, it is a picture of you. It creates an impression of your employment security or potential, stability of income, current creditors, and ability to repay the debt.

The signed application also gives the lender permission to inquire into your credit report. This report will show who has extended you credit or services in the past, as well as your payment history.

In theory, the two documents indicate your credibility and ability to repay.

AM Funding of WNY, Inc. is your liaison to multiple lending sources.

Before your application is submitted to a bank the application is scrutinized for:
1. Legibility
2. Adequate Information
3. Income to Debt Ratio
4. An overall clear picture of you, aka PRE-QUALIFY

One way communication can be inefficient !
If something is unclear AM Funding will call you for clarification.

Finally, when all information is clearly presented, your application is sent to a lender who has a program to fit your needs.

The choice of which lenders is important, as each have their own qualifying criteria. If needed, a follow up phone call is placed to the loan officer to enhance your changes of approval.

AM Funding of WNY, Inc. provides this service for FREE