Ok, it's time to get pre-approved!
Our pre-approvals are taken seriously to ensure 100% confidence when ready to write offers. We DO NOT run a credit report unless specifically authorized by our clients. This is done to ensure that the timing is placed correctly on whether to get Pre-Qualified or Pre-Approved. By completing the application we're able to obtain the information we need to get you in a position to write an offer and start your file. If you have any questions or reservations about our process please simply give us a call at 619-354-4929.
1) complete the online application
OK. I know, I know. It's not always fun, but in about 5 minutes you should be done with this. Simply visit our application online and complete your secure application. Simply focus on your permanent information only. We will work on the details of your qualification together during our consultation. Do not spend more than 5-10 minutes on this step.
2) Send in your documents securely.
Below is a list of documents we typically need for your pre-approval. Keep in mind that sometimes, depending on the complexity of your situation more will be needed, but let's start with these for now:
- Most recent W-2s and tax returns for two years. If you're self employed or receive social security include any 1099s and other schedules as well such as K-1s
- Most recent pay stubs covering one full month. For service members, this is your LES. If self-employed send us your year-to-date P&L.
- Most recent bank statements covering a two month period. Send in the accounts you plan to use for your down-payment and closing costs. Also, retirement accounts will count toward your application as reserves if you have them so include those too!
3) schedule a meeting
This is VERY important and if we haven't already done this, click below to automatically set a time to meet by using our scheduling software. We typically need at least 15-30 minutes of your time, but you can schedule up to 1 hour if needed. This can be a face-to-face meeting (preferred) or a phone call or even a video conference. Up to you! Choose from our methods to set this up by visiting the scheduling page, or simply book instantly by clicking on the button below: