Helping Military and Civilian families realize the dream of homeownership since 1990
Preapproval
Find out how much you can qualify for BEFORE you start your search. You can save time, money
and disappointment.
Pre-Approval
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.
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 withing 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!
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. Ledger printouts or screenshots are not acceptable.
- W-2's and 1099's for all sources of income for last two tax years
- Federal tax returns for most recent two tax years. Be sure to include ALL the pages and schedules
- Two most recent Business tax returns (if applicable)
- Two most recent statements for all accounts that will be used for transaction (down payment, deposits, closing costs etc.) Be sure to include all pages. Transaction printouts are NOT acceptable
- Photo ID
- DD214 if no longer active duty
Download a more complete checklist
Submit your application in person, online, via phone or fax
Call Me:
Mobile: 619-992-4061
Google Hangouts: 858-356-2673
Request an Appointment
Now that you have your qualifying budget set, you are ready to start shopping for your new home.
There are a few dont's that you need to pay attention to during your shopping process so you don't jeopardize your approval.
Click HERE to download the guide.
Let your agent know what key features are most important in your new home. You might find this handy checklist helpful
What is a Pre-Approval?
Why get Pre-Approved?
How To Get Started
Experience Integrity Results
11230 Sorrento Valley Rd ste 225
San Diego CA 92121
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