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

3. Your Credit Score

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