Navigation

You are here: Home > Secure Loan Application

Secure Loan Application

This is the quickest and easiest path to securing a valid pre-approval you can rely on.

MUST READ ==> 10 Commandments when Applying for a Mortgage

10 Commandments when Applying for a Mortgage

  • Thou shalt NOT change jobs, become self-employed or quit your job
  • Thou shalt NOT co-sign a loan for anyone
  • Thou shalt NOT buy a vehicle (or you may be living in it)
  • Thou shall NOT use charge cards excessively or make late payments on ANY accounts
  • Thou shalt NOT spend money you have set aside for down payment or closing
  • Thou shalt NOT omit debts or liabilities from loan application
  • Thou shalt NOT buy furniture, appliances, or household items before closing
  • Thou shalt NOT originate any inquires into your credit
  • Thou shalt NOT make large deposits without first checking with your mortgage consultant.  This includes not transferring any gift funds….and never deposit cash for any reason!
  • Thou shalt NOT change banking services or transfer money all over the place 

Step 1 – Secure Online Loan Application

This is only a preliminary loan application.  It’s only for collecting basic information.  If you don’t know how to complete or answer something, just skip it.  This basic information allows us to determine what all of your home loan options really are, estimate the interest rate, closing costs, and monthly payment.

Secure Application

Someone from the HomeLoanArtist.com team will review every detail with you before the final application is submitted to underwriting for actual loan approval.

Always Remember:  We aren’t here to deny loans or make it more complicated than the process already is.  We’re here to make this process as easy as it can be and do everything possible to get you what you want.

Step 2 – Gather up & Send these Documents

The quality, reliability, and accuracy of your pre-approval is highly dependent on the information and documentation you provide.

The less documentation you provide upfront, the less reliable the pre-approval and estimates will be.  The more you provide upfront, the more reliable and accurate your estimate will be.

Identity Docs

  • Driver License
  • Social Security card
  • If applicable – Final recorded divorce decree or child support agreement
  • If applicable – Final Bankruptcy paperwork & discharge letter (all pages and schedules)

Income Docs

  • W2 statements (2022 & 2023)
  • Pay stubs / LES covering last 30 days
  • If applicable – Social security/disability/pension award letter/Veteran benefits/child support etc.
  • If self employed –> 2022 & 2023 personal 1040’s and business/partnership tax returns and K1’s

Assets/Reserves Docs

  • Bank account statements for last 2 statement cycles – all accounts & all pages (no screen shots from a phone app or desktop)
  • Investment account statements to source down payment funds or meet reserve requirements – 401K, IRA, stocks/bonds, CD’s etc..

VA Loan Borrowers

  • Veterans –> DD214 & COE (Certificate of Eligibility)
  • Active Duty –> COE & Signed Statement of Service from Commanding Officer

Refinancing or Own Additional Properties?

  • Copy of mortgage statement, property tax bill, hazard insurance policy, HOA statement/fee, copy of lease/rental contracts

There will likely be additional documents that are needed after we review your file and again when you enter into contract if buying a home or receive your loan approval.

If you have any questions about the documentation needed, please contact me.

Step 3 – Submit Docs Securely

DO NOT email financial or personal documents.  Email is not secure and your information and privacy could be compromised.  Please use one of the following methods to send your information:

A.  Upload Directly From Your Computer

You can only upload one PDF file at a time.  Combine all of your documents into a single PDF to make it more convenient, or you can upload as many documents as you want, one at a time.

B.  Office / Mailing Address

If you prefer, stop by our office or mail your documentation:

Patriot Pacific Financial
Attn: Brad Yzermans
41923 2nd Street, Ste 203
Temecula, CA 925690

Direct:(951) 215-6119

C.  Direct Fax to My Computer

FAX : (951) 346-9396

Red Flag Rules Protect You Against Identity Theft

Due to growing Identity Theft concerns, the Federal Trade Commission (FTC) has issued “Red Flag Rules” to assist entities in detecting, preventing, and mitigating Identity Theft as required under the Fair and Accurate Credit Transactions (FACTA) Act.