Before a homebuyer starts looking for a home, homebuyer shall contact first a lender to be pre-qualified
or approved for a loan.
Where do I look for a
home-loan?
There are many sources, you may contact your local Bank, Mortgage
Brokers, Saving & Loans, Credit Unions or visit lenders in the Internet.
Ask for appointments to find out more about mortgage loans. For the most part lenders are competitive,
but shop around to compare
rates, loan products, lenders' fees, etc.
What documents &
information does lender need for a loan application?
DOCUMENTS |
INFORMATION |
1. Most recent 2 years W-2 forms
or (or 1099's if S/E*) . |
1. I.D. and Social Security #. |
2. Most recent 2 years filed Federal Tax Return, 1040's. |
2. Two-years of residence history. |
3. Most recent paycheck
stubs-Less than 30-days old. |
3. Two-years
employment history. |
4. Most recent 3-months bank statements. |
4. If renting, landlord
information. |
5. If
self-employed, year-to-date profit & loss statement, balance
sheet and 1099's |
5.
List of outstanding debts. |
If you need
to be pre-approve for a mortgage loan, you may contact:
-
Carlos Peiro (Lending
Direct Funding Inc.) Tel. 626-806-5340
-
Cindy Mora (Wells Fargo). Tel.
909-476-8825
-
Maricela Zendejas
(Camino Real Mortgage Bankers). Tel.
818-903-5847
-
Karol Vera (Garanteed Rate). Tel. 949-359-7053
Once you have been
pre-approved or approved for a loan, please contact me to schedule an appointment to find the right home for you,
Mario Perez, 626-688-0114. |