Get Preapproved in Ventura & LA
Getting a home loan is a big deal, but it doesn't have to be complicated. We will walk you through the mortgage process in a simple and straightforward way.
Initial Consult
We sit down with every client we serve in order to get to know you, your goals, and see what kind of home loan will work best for your lifestyle. In our first conversation, we will ask you questions regarding your income, assets, and credit to get a sense of what you may qualify for and coach you on how to improve your qualifying amount if desired to reach your goals. You will leave with your questions answered and a clear plan for what's next.
Apply & Upload
We will send you a link to our streamlined version of the mortgage application so we can collect the information we need to run your credit and begin on your preapproval. We will verify your income, assets, and liabilities, and match you with the perfect home loan product. Our typical turnaround time on preapprovals is 24 hours.
Gather Documents
All borrowers will need to submit some form of the following documentation:
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Drivers license or ID
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Proof of assets (Bank Statements, Investments)
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Proof of income (W2s, paystubs, tax returns)
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Authorization to run credit
Some additional documentation may be required for the following situations: self-employed, retired, real estate investors.
Underwriting
Once you are ready to move forward, we will finalize your loan package and submit to the underwriter for final approval. They may request a few more conditions or documents from you - this is normal! We act as the liaison between you and the lender at all times so that you can save time and receive the best possible service. Loans can close anywhere from 10-45 days, depending on the situation.