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MORTGAGE APPLICATION CHECKLIST

A. LOAN DOCUMENTS REQUIRED

  1. Govt. issued Photo I.D

  2. W-2 for the previous 2 years

  3. Paystubs covering 30 days period

  4. 2 most recent bank statements (for verification of funds needed to close)

  5. Mortgage Statement for all properties owned

  6. Property Tax Statement for all properties owned
    (If tax not paid through mortgage)

  7. Homeowner's insurance information for all properties owned (agent's name and phone number or Insurance Declarations page)

  8. Personal tax returns for the previous 2 years

  9. Employer Information (name, address and phone numbers of all employers over the last two years)

  10. Residence History (residential mailing addresses over the last two years)

​+ B. IF APPLICABLE

  1. HELOC / 2nd Mortgage Statement

  2. HOA Dues Invoice

  3. Solar / Home Improvement Lien Statement

  4. Copy of a Green Card

  5. Copy of Work Visa (I-797) and VISA page

  6. Bankruptcy documentation

  7. Divorce documentation

  8. Social Security / Pension documentation

​+ C. SELF EMPLOYED DOCUMENTS 

  1. Business tax returns for the previous 2 years

  2. Year-to-date profit and loss statement (P&L)

  3. Business Licenses covering a 2 year period

Many online lenders quote below market rates, with "rare scenario" conditions to attract clients. In most cases, only a small percentage of applicants actually qualify for those advertised rates.​ Most people spend hours shopping rates online, but ​do not understand that ​many online mortgage rate websites are​ lead ​generation sites​, and your contact information will be forwarded to many call centers and lenders nationwide. 

We are Honest and Straight Forward

We will always be honest and straight forward — we do not advertise teaser rates (that very few qualify) to get your attention. 

We Treat You Like Family

We treat our clients like family. You are real people to us. We will never jeopardize a transaction just to “close another deal”.

We are Experienced

We have a wealth of knowledge and experience to guide you with various loan programs and the mortgage application process.

In comparison with major banks and online loan portals

When you work with me, you are not just an account number. There is no call center to "press 1-2-3" to wait for the next available representative to check the status of your loan application. I am available at your convenience, 7 days a week, to discuss the loan options, for rate quotes and provide fast pre-approvals. Most importantly, after close of escrow, if you have any transaction related questions, I am still accessible. 

​ C2 Financial Corporation          12230 El Camino Real #100, San Diego, CA 92130

California DRE: 1821025                      NMLS: 135622

​(T)  818-275-1019     (E)  loans@rijursam.org

NMLS Consumer Link - http://www.nmlsconsumeraccess.org        

The services referred to herein are not available to persons located outside the state of California. This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 1821025; NMLS # 135622.

*All loan approvals are conditional and all conditions must be met by borrower. Loan approval is not guaranteed and is subject to lender review of information.  Loan is only approved when lender has issued approval in writing and is subject to lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions.  C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.  As a broker, C2 Financial Corporation is NOT individually approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders. 

 

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