Helping Military and Civilian families realize the dream of homeownership since 1990
Find out how much you can qualify for BEFORE you start your search. You can save time, money
and disappointment.
How To Get Started?
Why get Pre-Approved?
What is a Pre-Approval?
- Prepare
Gather the following documentation and have it ready for your first call or meeting with your loan officer.
It may seem like a lot of work to be doing when you are just getting started but you can be sure that investing the time upfront is very worthwhile.
Getting your paperwork ready is the key to a smoother process, quicker and less stressful loan approval experience.
- Paystubs or LES covering the most recent 30 days available.
- W-2's last two tax years
- Federal tax returns for most recent two tax years.
- Two most recent statements for all accounts
- Photo ID
- DD214 for VA loans
Download the checklist
- Request A PreApproval
Choose the option that works best for you
START
ONLINE
(619)
992-4061
BY PHONE
IN PERSON
To schedule an appointment
Call
(619) 992-4061
Or
Schedule Online
Piece of mind and an efficient process.
Applying for a mortgage before you begin your search will not only give you the piece of mind knowing that you are searching for a home within the correct price range, but having a pre-approved loan could give you an advantage over other buyers when presenting your offers. Real Estate Agents and Sellers can accept your offer knowing that you have a loan already approved and that there will be no surprises!
You will be able to move through the last steps of the process even faster once you find the perfect property and you will be in your new home in no time!
PreApproval
A review of your credit, income and asset documentation.
Your lender will review the information and obtain an automated underwriting loan approval. Additional questions or documentation may be needed based on the information in the documentation provided.
Pre-Qualification
A quick evaluation of your ability to qualify for a mortgage loan.
Experience Integrity Results
Laura Borja | Senior Mortgage Consultant | NMLS#199107
Cell: (619) 992-4061
laura@lauraborja.com
27271 Las Ramblas ste 150 Mission Viejo CA 920691
©Laura Borja 2019 All Rights Reserved | Site Design by Lulu Bee Marketing
This website is not authorized by the New York State Department of Financial Services to accept mortgage loan applications for properties located in New York. Intended for California Consumers Only.
Ocean Lending Home Loans Inc. NMLS ID #1626788 (www.nmlsconsumeraccess.org). 27271 Las Ramblas ste 150 Mission Viejo CA 92691 (888) 508-5030. All rights reserved. This is not an offer to enter into an agreement. Information, rates, & programs are subject to change without prior notice and may not be available in all states. All products are subject to credit & property approval. Ocean Lending is not affiliated with any government agency. Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act License # 41DBO-76602 and Finance Lenders Law Lic # 60DBO71981