QUESTIONS?
CALL US 760.831.5688

Paperwork Needed

To apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application. Be prepared to give us with:

 

  • Social Security numbers for both you and any co-borrowers
  •  
  • Copies of checking and savings accounts statements for the past two months
  •  
  • Evidence of any other assets such as bonds, stocks, or money saved in retirement programs (i.e., 401k or 403b program)
  •  
  • Recent paycheck stubs
  •  
  • W-2 withholding forms, or income tax returns for the past two years to verify your income and proof of employment
  •  
  • The name and address of someone who can verify your employment
  •  
  • Residence history for the past two years
  •  
  • Sales contract for the purchase of a new home
  •  
  • Homeowner's association information with contact information if property is a condo or part of a homeowner's association
 
 

Refinance

We can assist you in locking a long-term fixed rate or refinance and get cash out.  We can help!  To get started click here

Purchase

Purchasing a home will likely be one of the most important investments you'll ever make. We can help!  To get started click here

FHA loans

FHA home loans provide higher loan to value, lower rates and enable more people to qualify.  We're FHA experts... We can help!
To get started click here

 

 

 

Licensing Information  -  Stearns Lending, LLC Licensing Disclosure

Stearns Lending's policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. © 2017 Stearns Lending, LLC.

All Rights Reserved. Corporate Stearns Lending's policy is to treat all applicants and borrowers in a fair and consistent manner and without regard to race, color, religion, national origin, age (provided the applicant or borrower has legal capacity to enter into a binding contract), sex, marital status, disability, familial status, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act, or any other prohibited basis identified under state law. © 2017 Stearns Lending, LLC. All Rights Reserved.

Corporate NMLS#1854. Licensing Information. NMLS#1854. Licensing Information.