Let me make it clear about Secure Loan Application

This is actually the fastest and path that is easiest to securing a valid pre-approval you are able to count on.

MUST BROWSE ==> 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 proper
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  • Thou shalt never purchase an automobile (or perhaps you may be residing in it)
  • Thou shall never utilize credit cards exceptionally or make payments that are late a records
  • Thou shalt NOT spend cash you’ve got put aside for down payment or closing
  • Thou shalt NOT omit debts or liabilities from application for the loan
  • Thou shalt NOT purchase furniture, devices, or household items before shutting
  • Thou shalt NOT originate any inquires into the credit
  • Thou shalt NOT make large deposits without very very first checking together with your home loan consultant. This consists of perhaps perhaps maybe not transferring any present funds….and never deposit money for just about any explanation!
  • Thou shalt NOT modification banking services or transfer cash all around us

It is just an oan application that is preliminary . It’s only for collecting fundamental information. In the event that you don’t learn how to finish or respond to one thing, simply skip it. This fundamental information permits us to know what your entire mortgage loan choices actually are, estimate the attention price, closing costs, and payment that is monthly.

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

The standard, reliability, and precision of the pre-approval is very influenced by the information and documents you offer.

The less paperwork you offer upfront, the less reliable the pre-approval and estimates will likely be. The greater you offer upfront, the greater dependable and accurate your estimate shall be.

==> View Documentation Required Private Information & Identity Docs
  • Driver Permit
  • Personal protection card
  • If applicable – Final recorded breakup decree or kid help contract
  • If relevant – Final Bankruptcy documents & release page (all pages and schedules)

Earnings Docs

  • W2 statements (2018 & 2019)
  • Federal 1040 taxation statements (2018 & 2019 all pages & schedules)
  • Pay stubs / LES addressing last 1 month
  • If applicable – personal security/disability/pension honor letter/Veteran benefits/child support etc.
  • If self employed –> 2018 & 2019 business/partnership taxation statements and K1’s

Assets/Reserves Docs

  • Bank-account statements for final 2 declaration rounds – all records & all pages (no display shots from the phone application or desktop)
  • 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 provider from Commanding Officer

Refinancing or Own Additional Properties?

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

There will be additional papers which can be required directly after we review your file and once more whenever you get into agreement if purchasing a property or get your loan approval.

For those who have any relevant 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 a time. Combine your documents into A pdf that is single allow it to be easier, you can also upload as numerous papers while you want, one at any given time.

B. Office / Mailing Address

If you want, drop by our workplace or mail 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

Due to identity that is growing issues, 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.

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