Hit Apply Now to kickstart your journey to big savings and homeownership financing benefits!

Step 1: Get Your Free Rate Quote

See how much home you can afford. Shop our rates at home, anytime.

• Free rate search  above to see instant rates and payments.
• If you have questions, schedule a time to go over the pre-approval process.

Step 2: Apply Online, Set Up Rate Alert, & Upload Documents

For a rock-solid pre-approval, please gather the following documents:

• Identification:

  • Driver's License
  • Social Security Number (You can provide this securely during your appointment or through our online application)

• Proof of Income:

  • W-2 Employees:
    • Last two years' W-2s
    • Most recent 30 days of paystubs (If you receive bonuses, include the last two years' end-of-year paystubs)
  • Self-Employed/1099/Business Owners:
    • Last two years' personal tax returns (all pages)
    • Last two years' business tax returns (if applicable)
  • Retired:
    • Most recent pension (annuity) award letter
    • Most recent Social Security award letter

• Financial Assets:

  • Last 2 months of bank statements showing your primary reserves
  • Most recent mortgage statements for any existing properties
  • Property insurance declaration page for any existing properties

Additional Information:

• Assume annual property tax rate: 1.25% (divided by 12 months)
• Assume property hazard insurance: 0.35% (divided by 12 months)
• Include existing mortgage or Home Equity Line of Credit (HELOC) statements, if applicable
• LLC entity documents (if applicable)

Step 3: Pre-Approved! Shop or Lock Your Rate

My team of experts at Loan Factory and I will support you in obtaining documents for a solid loan application with our preferred lenders. With a pre-approval in hand, you can ensure:

• Pre-approval benefits:
  • Reduced anxiety: Avoid offer rejections due to last-minute loan denials.
  • Stronger offer: Increase your appeal to sellers with pre-approval validation.
  • Streamlined process: Simplify the loan process and avoid delays in escrow (except for the appraisal).
  • Diverse income handling: Handles complex financial situations for a smooth pre-approval experience.

Step 4: Ownership

With strong support, you're ready to purchase and refinance with ease.