California Home Loans- Mortgage - Refinance - Cash out

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Mortgage Loan refinance
Fair rates & fees
Purchase Loan Types
Refi/ Cash Out

Home Equity Line of Credit

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Request a rate quote - California Mortgage Loans / Refinance Products First-time Homebuyers

Loan Purchase, Mortgage Refinance - Whatever Your Lending Requirements:
Fairfield, Oakland, Sacramento, San Francisco and San Jose, Los Angeles, San Diego, CA.

Loan application requirements for all loans

Social Security Number, for borrower and co-borrower if any, Employment History For the last two years, employment dates, addresses, salary. Current pay stubs or W-2 forms.

Check and Savings Accounts and Certificates of Deposit, Location of bank accounts, account numbers and balances; Address of bank if out of town, Last 3 months' statements

Stocks, Bonds, and Investment Accounts, Broker's name and address, description of stocks, bonds, etc. Last 3 months' statements or copies of stock certificates

Life Insurance Policies: Insurance company, policy number, face amount, cash value, if any, Retirement Plan: Approximate vested interest value - Copy of latest statement

Automobiles: Make/model of automobiles and their resale value. Other Assets: Market value of personal and household property

Liabilities and Other Non-Mortgage Debt: Creditors names, addresses,
account numbers. Monthly payments and balances

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Other income information you may need
If you are self-employed, Two years tax returns, profit and loss statements, both company and personal if separate. Current balance sheet and profit and loss statement if more than two months into the new fiscal year, signed by CPA.

If you have income from: Commission, Overtime, Bonus, Partnership, Rental Property, Trust, Notes Receivable , Interest/Dividends, You'll need two years' personal federal tax returns

If employed in family business:
Personal federal income tax returns and all schedules for the past two years

If divorced or separated: Complete executed divorce decree and settlement agreement
Payment history of alimony/child support over the past 12 months, if it is a financial obligation. If you choose to have this be considered as part of your income (you don't have to), be prepared to provide 12 months canceled checks or bank statements reflecting income deposits.

If you own real estate
Name and address of all mortgage lenders for the past 24 months, account numbers, monthly payments and balances. If you've sold your home but not closed:
A copy of the sales contract

If you've sold your home, closed, and you will use the proceeds for your new down payment: A copy of the HUD-1 Uniform Settlement Statement

If you rent:
Name, address and phone number of landlords for the past 24 months

If you're buying a home:
Purchase sales contract or offer to purchase. Furnish contract with original signatures of buyer and seller

If a source of your down payment is a gift:
Name, address and relationship of donor.
Gift funds will be verified in both the donor and recipient's accounts.
Note: Not all loan programs allow gifts to be part of your down payment.

For FHA Financing
Evidence of Social Security Number and photo identification

For VA Financing
DD214 and Certificate of Eligibility

For Construction/Perm Loan
Signed construction with cost breakdown, builder plan and specifications.


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