Before you start your full application.

What the application asks

• You: name, contact details, date of birth and Social Security number, entered inside the secure portal only.
• Where you have lived: your current address and earlier addresses covering the last two years.
• Work and income: employers for the last two years, with a phone number or contact for each, and what you earn.
• Assets: the accounts your down payment and closing costs will come from.
• The property: the address if you have one, or the area and price range if you are still looking.
• Standard declarations: the yes-or-no questions every mortgage application includes.

What to have ready

• Two years of W-2s (or 1099s) and federal tax returns
• Thirty days of pay stubs
• Two months of statements for every asset account, all pages
• Photo ID
• If self-employed, two years of business returns and a year-to-date profit and loss statement

You can start without every document in hand. The portal saves your progress and your loan officer will tell you exactly what is still needed for your file.

Do not email documents. Anything with a Social Security number, account number, or pay stub should go through the secure portal rather than regular email.

Choose your loan officer

If you are already working with one of our officers, start with their link so your application goes straight to them. If you are not sure, any link works and we will make sure the right person picks it up.

Would you rather talk first?

Call (877) 545-3811, or send the one-minute pre-approval form (no Social Security number, no documents) and a licensed officer will call you back, usually the same business day.