[Real Estate One Logo] Real Estate
    Power Service
     
Ann Arbor, Michigan
Fred Ward
Realtor®
Accredited Buyer Representative

e-Pro (Internet Professional) Certified
Licensed Limited Real Estate Appraiser
Ann Arbor Real Estate Power Service
Virtual Mortgage Office

Tim "Timbo" Phillips
Commonwealth National Mortgage Corp.

       It's Fast

           It's Easy

               It's Free

                   It's Important

Save time
Knowing your price range will enable you to focus your time and energy on only homes for which you qualify.

Tim has access to hundreds of wholesale lenders. Let Tim do your shopping. Just let him know your mortgage needs.
Have a plus in negotiating
Sellers want to have the "warm fuzzies" about their buyers. They want to know at the start that their buyer can finance the investment in their home. They want buyers who are pre-qualified.
Have added confidence
Any mortgage loan officer can pre-qualify you for a home loan. They will ask you a few questions, scribble something down, pound on their calculator, and give you a number.

Tim goes the next step for you. Tim will order a preliminary credit report at no cost or obligation to you. You can have added confidence in pre-qualifying for a home loan with Tim.
How to Get
Pre-Qualified
You can fax it.

Print this page, fill out the form at the bottom and fax it to Tim at

 734-451-3602

Tim will get the information and get back to you, usually within 48 hours.

You can web it.
Pretty much the same as faxing except Tim gets the information in about 5 seconds by e-mail. Use the form at the bottom of this page.
You can even use the phone lines in their primitive state.

Applying for a loan to finance your investment in a home is important. Get to know the person who will be working for you. Pick up the phone and give Tim a call now.

 734-797-5522

Do not be bashful about calling evenings or weekends. Tim works "buyers' hours" not "bankers' hours."



Tim Phillips' Mug Shot

734-797-5522
PhillipsHQ@yahoo.com


Tim is a man with energy, experience and integrity. He is a graduate of the United States Air Force Academy and is a decorated military aviator. He still flies but devotes his full attention to helping folks finance their American dream.

I asked Tim to staff my virtual mortgage office for several reasons the most important is that we share the philosophy that we are in the same business: the customer service and referral business.

Virtual Office
Virtual Art






more virtual art


Fine Print, details, and weasel words
Real Estate One, Inc. and Commonwealth National Mortgage Corp. are in no way affiliated. Tim and Fred are independent entrepreneurs providing customers with service. Except for springing for an occasional lunch, Fred does not get a kickback from Tim, and visa versa.

By applying for pre-qualification, you consent to Tim running a credit check for you. The information that you provide in the form below is shared with a credit reporting vendor.
Twelve Great Virtual Main Office Sections

Welcome, I've
Been Expecting You


Incredibly
Important Stuff


Ann Arbor Area Real Estate Market Summary

Ann Arbor Area
Sales History


Your Host

It's Your Time

It's Your Money

7 Power Services
for Buyers


7 Reasons to List with Real Estate Power Service

Since You Asked
(a.k.a. FAQs)

Real Estate One Featured Listings

The Back Door

(a.k.a. Links)




Financial
Information Resources


It's Your Money

Fred's thoughts on points and mortgage value analysis

Mortgage FAQs

Tim's thoughts on everything else mortgage related

The Back Door

Links to financial calculators: loan payment, taxes, etc.

 
 
 
 
 
 
 
 
 
How Can Tim Get
Information to You?

 
Name: Social Security Number:
Address: Year of Birth:
Home Phone: Best to Call at
Home Office
Office Phone: Best to Call in
Morning Afternoon
Evening
Fax Number: Fax is at
Home Office
E-mail Address: Call Before Faxing?
Yes Not Necessary
 
 
Tell Tim About
Your Investment

 
 
What is your annual household gross (before tax) income ? What are your total monthly expenses (less rent or mortgage payments)?

 

What down payment do you prefer? What types of financing would you like more information on?

less than 5%
5%
10%
15%
20%
more than 20%

Conventional Fixed Rate
Adjustable Rate
VA
FHA
Jumbo Loans (more than $252,700)
Balloon Loans
Comments and Questions:
 
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Main Office

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Fred Ward
Realtor®
Accredited Buyer's Representative
e-Pro (Internet Professional) Certified
Licensed Limited Real Estate Appraiser
Phone: 734-665-9477
Voice Mail: 734-665-9477
Mobile: 734-665-9477
Fax: 734-665-9477
E-mail: fred@fward.com
Real Estate One, Inc.
555 Briarwood Circle, Suite 100
Ann Arbor, Michigan 48108
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Copyright 2000-2001
Fred C. Ward, Jr.
9 February 2001

E-mail Fred Ward
I am looking forward
to hearing from you