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• Click Apply Now to start your loan application.
• Once the application has been submitted, the processing of the mortgage begins.

Here is the supporting documentation that we need:

• Latest Federal Tax Return and W-2s
• Latest 1 month paystub
• Latest 2 months bank statements
• Homeowner Insurance Declaration
• Mortgage statement
• HOA (Homeowner Association) statement (if applicable)

If you are Self-Employed:

• Latest 2 years Federal Tax Returns
• Latest 2 years Business Tax Returns and Schedule K-1 (if applicable)

If you have Rental property:

• Latest 2 years Federal Tax Returns and W-2s
• Fire Hazard Insurance Declaration for all rental properties

• The processor has put together a complete package with all verifications and documentation that will be sent to the lender.
• The underwriter is responsible for determining whether the package is deemed an acceptable loan. If more information is needed, the loan is put into "suspense" and the borrower is contacted to supply more information and/or documentation. If the loan is acceptable as submitted, the loan is put into an "approved" status.

Once the loan is approved, the file is transferred to the closing and funding department. The funding department notifies the broker and closing escrow officer of the approval and verifies broker and closing fees. The closing escrow officer then schedules a time for the borrower to sign the loan documentation. At the closing the borrower should

• Bring a cashiers check for your down payment and closing costs if required. Personal checks are normally not accepted and if they are they will delay the closing until the check clears your bank.
• Review the final loan documents. Make sure that the interest rate and loan terms are what you agreed upon. Also, verify that the names and address on the loan documents are accurate.
• Sign the loan documents.
• Bring identification and proof of insurance.

Once the loan has funded, the closing escrow officer arranges for the mortgage note and deed of trust to be recorded at the county recorder's office.