Here’s How To Get Pre-Approved for Your Home Loan

GET PRE-APPROVED

Getting pre-approved is the first legitimate step towards purchasing your new home. To get pre-approved, we verify your information and documents to determine how much you are able to borrow towards your new home. This will strengthen any offer you make for a house.

What Paperwork Will We Need?

In order to apply for a new mortgage, we will ask you to provide us with some documentation that we will need for the mortgage loan process. We will request a copy of your credit report from a credit agency and will verify the information provided in your loan application.

Be prepared to provide us with:

  • Social Security numbers for all borrowers
  • Copies of CHECKING and SAVINGS accounts statements for the past 2 MONTHS
  • Evidence of other ASSETS such as STOCKS, BONDS, OR 401K
  • Recent PAYCHECK STUBS
  • W-2 FORMS or INCOME TAX RETURNS for the past 2 YEARS
  • The NAME and ADRESS of your EMPLOYER
  • RESIDENCE HISTORY for the past 2 YEARS
  • SALES CONTRACT for the purchase of a new home
  • HOMEOWNERS ASSOCIATION information (if applicable)

LOAN APPLICATION CHECKLIST

The following is a list of documentation that may be required to process your loan application.

Income

W-2s from past 2 years

Past two years of Personal Income Tax Returns
(self-employed or 25% or more income is from commission)

Past three years of Corporate Returns
Including K-1 [If self employed]

Most Recent 30-days of Pay-stubs

Assets

Bank Statements for the Most Recent 2  Months

Most Recent 401[k], IRA, Stock,Bond Statements

Misc

Homeowner’s Insurance Policy and Agent’s

Contact Info

Driver’s License

Social Security Card

Bankruptcy Discharge Paperwork [if applicable]

Divorce Decree [if applicable]

Gift Letter and Supporting Documents [if applicable]

Cancelled Earnest Money Check

Signed Purchase Agreement [if applicable]

Existing 1st and/or 2nd Mortgage NOTE [if applicable]

Start Your Application!

Apply now to start your application today!

jmazzo

JJ Mazzo

Branch Manager/ Sr. Loan Officer
NMLS ID# 186548
Direct: (877) 237-9694
CA BRE ID# 01350228
AZ MLO Lic# 0913442

Sosi.Avila_-1

Sosi Avila

Mortgage Loan Originator
NMLS #1511489
Office: (888) 285-1889
6410 Oak Canyon
Suite 250
Irvine, California 92618

cory-depass-2

Cory DePass

Branch Manager
NMLS #388271
Office: (949) 929-3789
100 Spectrum Center Dr #250
Irvine, CA 92618
Licensed in California

© 2017 The Lynch Group OC • All rights reserved
Ask the Lynch Group
a Real Estate question.