New Loan Application
Please fill out the loan application and fax with the completed borrower's authorization to our office at (949) 252-0311. Make sure to include the best telephone number to reach you at. See below for the complete loan process.
The Loan Process
Here's All You Do:
1. Fill out our Easy Loan Application. That’s it.
2. For our borrowers with very good to excellent credit who can verify their income, sending the following, items along with your application, will speed up the process.
- Your two most recent paycheck stubs
- Your W-2s for the last two years
- All pages of your bank statements for the last three months
- Any brokerage statements for the last three months
- A photocopy of your valid drivers license
3. In addition to the above documents required for our full document borrowers, review the Document Checklist below. We may need some of the items listed below:
If you have ...
Lived in a rental unit(s) in the past 2 years
Income other than your base salary: bonus, commission, interest, dividends, etc. - only needed for credit based loans
Income from contracts, notes receivable, or rental properties
Income from self employment - ie: sole proprietor, partnership, corporation
Income from child support or been divorced
Become a Permanent Resident
Then we need:
The name and phone # of landlord(s) - plus the address(es) of where you lived
Your personal tax returns for the last two years - Form 1040 with all schedules
Your personal tax returns for the last two years plus copies of contracts, notes or rental agreements
Your personal tax returns for the last two years, business returns for the last two years, plus year to date P&L
Recorded copy of divorce decree plus payment history for twelve months
Copy of petition and final Discharge of Bankruptcy, plus letter of explanation
Copy of Alien Resident Card
4. If you have marginal credit, or it’s difficult to document your income, call us or email us about our Easy/Low Documentation Loans. We have several options available with extremely good pricing.
5. Fax or mail the application with your required documentation, or call us directly to discuss your situation.
And that's all there is to it! We will be in touch with you to discuss your personal loan requirements within a week.
We look forward to meeting and exceeding your financial needs by helping you to soar to new financial heights and turn your blues into green!