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Mortgage Lenders

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.