NMLS LICENSE #640300BRE #01119095Monday–Friday, 8am-6pm PST

Buying a home is one of the most important decisions you will make in your lifetime. As such, you’re going to want to have as much information as possible before you decide to go through the process of getting a mortgage. John and his team are here to help you along the path to making an informed decision about your loan and map out a winning strategy.

Below you will find the tips that will take you through the entire loan process, from beginning to end. We’ll tell you what materials you need, where to get them, and who to give them to. With our help, you will be well on your way to buying your first home!

Online Application and Pre-Qualification

The first step in the process is to complete an online application. This takes about 15-20 minutes and is free. Once received, John and his team can review the application and confirm qualifying and map out a winning strategy for you. You will also receive a customized Pre-qualification Letter for your records.

Supporting Documentation

Upon receipt of your online application, John and His team will contact you with a list of supporting documentation needed to obtain a pre-approval. Below is a list of the documents you may be asked to provide:

  • Driver’s licenses
  • Homeowners Insurance Declaration page (All properties owned)
  • Copy of recent mortgage statement for current loans.
  • Pay-stubs for the most recent 30-day period
  • W-2 forms for the past two years 2014 & 2015
  • Federal Tax Returns for the past two years (2014 & 2015)
  • Most recent 2 months bank statements and/or any other investment account statements


Your John and his team will review your supporting documentation and calculate your monthly income and other key data. Our in-house underwriting department will then review the file to make sure the loan meets the program guidelines and issue an approval along with a list of conditions that the approval is subject to. Common conditions to expect are:

  • Fully-executed purchase contract
  • Appraisal supporting value of property
  • Satisfactory title report

John will then issue a Pre-Approval Letter to attach to your offers. A Pre-Approval Letter from a direct lender based on an underwriter’s review is the strongest possible evidence of a homebuyer’s ability to obtain a mortgage and greatly strengthens your offer. It also allows us to perform and close your loan much faster from your contract date giving you added bargaining power.

Final Approval

Once you have made an offer and it has been accepted by the seller, additional documents are obtained to complete your loan file, including:

  • Appraisal supporting property value
  • Preliminary title report
  • Any remaining conditions from pre-approval

Loan Docs

Upon receipt of final underwriter approval, we draw your loan documents and submit them to escrow or the closing agent.


Escrow or the closing agent coordinates all of the documents that need to be reviewed and signed. The seller will execute the deed to the property, funds will be collected and disbursed, and the closing agent will record the necessary instruments to give you legal ownership of the property. When all is signed and the transfer of funds is complete, you receive the keys to your new home.