Applications
Start your application
Nine questions, about two minutes. No credit check, no documents, and nothing goes to a lender until you say so.
The application
Tell us where you stand
None of this is the formal loan application. That comes later, with a person, once we know which program fits. This is what a loan officer needs to tell you whether there is a route.
Any information you share is secure. It will not be sold or reused.
We never ask for your Social Security Number, date of birth or account numbers on this site. Those belong on the formal application, which is handled securely with a loan officer. See our privacy disclosure.
If you would rather not type
Two other ways to start
Over the phone
Call (619) 866-7084 and a loan officer will take the application with you, filling it in as you talk.
Usually about twenty minutes
In person
Come to the office at 2563 Mast Way and we will go through it together, with your documents in front of us.
By appointment, including weekends
Before you start
What to have ready
Not all of it applies to every program. A bank statement loan does not need tax returns, and a foreign national file uses different identification. Gather what you have; we will tell you what is actually required for your route.
Photo ID
Driver license or passport
Proof of income
Pay stubs, or 12-24 months of bank statements if self-employed
Tax returns
Last two years, where applicable to your program
Bank statements
Last two months on every account you will use
Employment history
Two years, including any gaps and what caused them
Debt details
Cards, car loans, student loans, and anything in collections
The process
From application to keys
Application
Online, by phone, or in person. Nothing is submitted to a lender at this stage.
Review and pre-approval
We check the file, flag anything that would cause a problem, and issue a pre-approval you can make offers with.
Shopping the file
As a brokerage we take it to the lenders most likely to approve it on the best terms, rather than to one desk.
Underwriting and conditions
The lender will ask for more. We chase it, and tell you exactly what is outstanding and why.
Closing
Final numbers, signing, and funding. You will know the closing costs well before this point.
Not sure you would qualify?
That is the most common reason people do not apply, and it is usually wrong. Fifteen minutes on the phone will tell you, with no credit pull.