Applying for your loan begins with an application, source documents, and credit report:

These are the most common source documents:

1.  ID: Drivers licence, work permit, social security, DBA, LLC...

2. EMPLOYMENT: 1-2 years employment & income history.

3. INCOME - FULL DOC: 

   • Tax Returns, last 2 years. 

   • If self-employed: verification of business active

   • If W-2 employee, latest 30-day pay stubs, W-2's last two years.

   • Self-employed can use tax returns for best rates

4. Alternative Doc: No Tax Returns, use Assets or Bank Stmts as income

   •  12-24 month bank stmts instead of tax returns (10%+ down) 

   • Profit & Loss only: 20%+ down payment

   • Asset Based only: No credit, no job, no income, just qualify based on the asset or collateral.

5. BANK Stmt/Assets for closing funds:  recent 2-mo. funds for down payment, closing costs & reserves. 

Please call us to begin over the phone or through our website.