Get Preapproved in California
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.
Starting the Process?
If you are in the early stages of purchasing or refinancing or are simply exploring your home loan options, we can connect via phone, email, or text. There is no need to spend time filling out an application before you have all your questions answered.
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What are current mortgage rates?
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What home loan might suit me?
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What is the mortgage process?
Start here and we will get in touch with you ASAP.
Ready to Get Preapproved?
The link below takes you to our 100% secure portal where you can fill out the mortgage application and upload your documents.
The online application will ask you for your employment and financial information. Do your best to complete it accurately but keep in mind if you don't know the answer, WE CAN EDIT IT LATER.
We will review your application in detail and go over any questions we have as we move forward.
Our Process in 4 Simple Steps
Clients appreciate our simplified and easy to understand process.
Initial Consult
We can do this quickly over the phone, by email, or if you prefer and live locally, we enjoy sitting down face-to-fact for your initial consult. The point is to get to know your goals and see what kind of home loan will work best for your lifestyle. 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 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
Documents needed will include:
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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.