Steven Quach, Mortgage Loan Officer

We Specialize in Residential Home Loans
Purchases, refinances, cash-out, HELOCs, home-equity loans, first-time buyer programs, low-down options, credit-flex structures, self-employed income execution.

The Easy Way to Get a Loan

1. Check here for today's live rates

2. Apply online

3. Receive a verified pre-approval

4. Have us in your corner as your application moves through underwriting and appraisal

5. Close with confidence
   

Ready to Buy or Refinance? Documents You'll Need To Gather

• Identification

  • Driver’s license

  • Social Security Number (submitted securely online or at appointment)

• Proof of Income

  • W-2 employees

    • Last 2 years W-2s

    • Most recent 30 days paystubs

    • Receive bonuses?: include last 2 years end-of-year paystubs

  • Self-employed / 1099 / business owners

    • Last 2 years personal tax returns (all pages)

    • Last 2 years business tax returns (if applicable)

  • Retired

    • Most recent pension/annuity award letter

    • Most recent Social Security award letter

• Financial Assets

  • Last 2 months bank statements showing primary reserves

  • Most recent mortgage statements for any existing properties

  • Property insurance declaration page for any existing properties

• Additional Items

  • Existing mortgage or HELOC statements (if applicable)

  • LLC entity documents (if applicable)

• Standard Cost Estimates When Calculating Monthly PITI Payments (Principal, Interest, Property Tax, and Insurance)

  • Property tax: assume ~1.25%/year

  • Hazard insurance: assume ~0.35%/year