Pioneer Realty

Pre-Qualifying

Please utilize the spreadsheet below to determine if you meet our pre-qualifying guidelines.

PRE-QUALIFYING MORTGAGE LENDING FORMULA
* Please do not use commas (,) or dollar signs ($)

Income:
Gross Monthly Income for Borrower
Gross Monthy Income for Co-Borrower
Other Monthly Income
Total Income

Expenses:
Monthly Auto Payments
Monthly Credit Card Payments
Other
Other
Other
Total Expenses



Total Income x 28.0%
Total Income x 40.0%
Payment Adjusment for Debt (Total Income X 40.0% - Total Expenses)
Total Debt Ratio

	FINANCIAL CALCULATOR
	Total Home Loan Amount: Term on the Loan (years): Annual Interest Rate: Monthly Payments: without insurance or tax

PIONEER REALTY
202 FIRST STREET
SERGEANT BLUFF, IA 51054

Rick Aadland, Broker
712.253.3033 - Cell
712.943.5514 - Office
605.422.4424 - Home
800.322.2396 - Toll Free
712.943.9210 - Fax
Email:raadland@pioneerbanks.com

Ken Beaulieu
712.251.1578 - Cell
712.943.5511 - Office
712.276.7467 - Home
800.322.2396 - Toll Free
712.943.9210 - Fax
Email: kbeauli@msn.com

Terry Kroeger
712.251.1872 - Cell
712.943.5514 - Office
712.943.7600 - Home
800.322.2396 - Toll Free
712.943.9210 - Fax
Email: tlkmmk@aol.com

Christine Stultz
712.898.8230 - Cell
712.943.5514 - Office
712.943.7449 - Home
800.322.2396 - Toll Free
712.943.9210 - Fax
Email: cstultz@longlines.com

Pioneer Realty ®2002