HOW TO GET PRE-APPROVED!

Purchasing a home is one of the largest purchases you will make in your life. When deciding who you will work with for your loan, there are a few things you want to take into consideration.

• Work with a lender who is local to the area and understands our market in San Diego.
• Make sure to use a lender that has a great team behind them. This is what keeps your loan process flowing smoothly.
• In-house underwriting for expedited turn times. Many lenders’ underwriters are in a different time zone. This can keep your loan from closing on time and potentially risk losing the home.
• Know that your lender can close as quickly as possible to present the best terms to sellers in our competitive market. The market here in San Diego can move pretty quickly. While a typical escrow is 30 days, sometimes investors or other sellers need a quick close. Our preferred lender can close a loan in as little as 21 days and in some cases less time, depending on the loan type.

CHOOSE THE RIGHT LENDER

Choosing the right lender should not always be about the best interest rate. Sure it's an important factor, but there are many important factors that should go into making this decision. You need to be confident your lender will get you to the finish line and be able to meet all requirements that are expected from you, the Buyer, so you can close on time. The inability to do so could result in you losing your dream home. We have worked with Mark Peppler of the Gaylord Hansen Mortgage Team for the last 9 years. This is always a huge selling point for us when we are presenting our offers to Listing Agents. We are able to say with confidence that we can meet the required deadlines and close on time, if not earlier. The Gaylord Hansen Team has funded well over $3.5 Billion in loan volume since inception and have worked with hundreds of local agents here in San Diego. Their reputation in the San Diego area puts Listing Agents at ease and has been a huge contributing factor with getting our buyers' offers accepted. In addition to a concierge customer service, you can also expect great rates. If you’ve already been pre-approved, don’t be shy. Make sure to let them know and they will do their best to beat the rate you’ve been quoted. We have also personally used their lending services and are always happy with the experience! The GH Team offers our clients a $2,500 credit when you use their services. VA Buyer? Rest easy, this team is very well-versed with the VA Financing process. Read below for some tips on factors to consider when looking for a lender or APPLY HERE NOW!

What documents are needed to apply for a mortgage?

Needs List For "Salaried or Hourly" Buyer

• Last 2 years of your W-2's
• Last Year's Federal Tax Return (all pages)
• Pay-stubs covering the last 30 days of pay
• Last 2 months of your bank statements (Checking & Savings)
• Last 2 months of the account the down payment will come from (not applicable for VA financing)
• Last 2 months of any additional asset accounts (stocks, bonds, 401k, IRA, retirement etc)
• Recent Mortgage Statement(s) for any additional properties owned
• Photocopy of your Driver's License

Needs List For "Self-Employed" Buyer

• Last 2 years of your Personal Federal Tax Returns (all pages)
• Last 2 years of your Business Federal Tax Returns (all pages & schedules)
• Last 2 months of your bank statements (Checking & Savings)
• Last 2 months of the account the down payment will come from (not applicable for VA financing)
• Last 2 months of any additional asset accounts (stocks, bonds, 401k, IRA, retirement etc)
• Recent Mortgage Statement(s) for any additional properties owned
• Photocopy of your Driver's License

to get qualified today: