Let me make it clear about Secure Loan Application

This is actually the fastest and simplest path to securing a valid pre-approval you are able to depend on.

MUST STUDY ==> 10 Commandments whenever trying to get a home loan

• Thou shalt NOT change jobs, be self-employed or stop your task
• Thou shalt NOT co-sign that loan for anybody
• Thou shalt never purchase a car (or perhaps you may be staying in it)
• Thou shall never utilize bank cards extremely or make payments that are late a records
• Thou shalt NOT spend cash you have got put aside for down closing or payment
• Thou shalt NOT omit debts or liabilities from application for the loan
• Thou shalt NOT purchase furniture, devices, or items for your home before shutting
• Thou shalt NOT originate any inquires into the credit
• Thou shalt NOT make large deposits without very first checking along with your home loan consultant. Including perhaps maybe not moving any present funds….and never deposit money for almost any explanation!
• Thou shalt NOT modification banking services or transfer cash all around us

This really is merely an oan application that is preliminary . It’s only for collecting information that is basic. In the event that you don’t learn how to finish or respond to one thing, skip it just. This fundamental information permits us to figure out what your mortgage loan choices actually are, estimate the attention price, shutting costs, and payment per month.

Some body through the HomeLoanArtist.com group will review every information with you ahead of the application that is final submitted to underwriting for real loan approval.

The standard, dependability, and precision of one’s pre-approval is highly determined by the given information and paperwork you offer.

The less documents you offer upfront, the less reliable the pre-approval and estimates will soon be. The greater amount of you offer upfront, the greater amount of dependable and accurate your estimate shall be.

==> View Documentation Required Private Information & Identity Docs

• Driver Permit
• Personal safety card
• If applicable – Final recorded breakup decree or youngster help agreement
• If relevant – Final Bankruptcy documents & release page (all pages and schedules)

Earnings Docs

• W2 statements (2018 & 2019)
• Federal 1040 tax statements (2018 & 2019 all pages & schedules)
• Pay stubs / LES addressing last thirty days
• If applicable Social that is– security/disability/pension letter/Veteran benefits/child support etc.
• If self employed –> 2018 & 2019 business/partnership taxation statements and K1’s

Assets/Reserves Docs

• Banking account statements for final 2 declaration rounds – all records & all pages (no display screen shots from a phone desktop or app)
• Investment account statements – 401K, IRA, stocks/bonds, CD’s etc..

VA Loan Borrowers

• Veterans –> DD214 & COE (Certificate of Eligibility)
• Active Duty –> COE & finalized Statement of Service from Commanding Officer

Refinancing or Own Additional Properties?

• Copy of home loan statement, home goverment tax bill, risk insurance plan, HOA statement/fee, copy of lease/rental agreements

There may be direct lender payday loans in Lancashir extra papers which are required directly after we review your file and once more once you enter agreement if purchasing a property or receive your loan approval.

For those who have any questions regarding the paperwork required, please contact me personally.

A. Upload Straight From Your Own Computer

You is only able to upload one PDF file at the same time. Combine your entire papers in to A pdf that is single ensure it is easier, you can also upload as numerous papers while you want, one at any given time.

B. Office / Mailing Address

If you like, drop by our mail or office your paperwork:

Patriot Pacific Financial Attn: Brad Yzermans 43460 Ridge Park Dr., Suite 250 Temecula, CA 92590

Direct:(951) 215-6119

C. Direct Fax to My Computer

FAX : (951) 346-9396

Warning Sign Rules Safeguard You Against Identity Theft

As a result of identity that is growing concerns, the Federal Trade Commission (FTC) has released “Red Flag Rules” to assist entities in detecting, preventing, and mitigating Identity Theft as required underneath the Fair and Accurate Credit Transactions (FACTA) Act.