Making Notes


To apply for a loan, you will have to provide your 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 provide:


  • Two most recent pay stubs equal to 30 days of income.
    Note: If you started with a new company this year, also provide the last pay stub from your previous employer showing year-to-date earnings.

  • W-2s for every job that you had during the past two years.

  • Personal Tax Return, form 1040, for the past two years, all schedules and statements.

  • If you are self-employed, please provide a year-to-date profit and loss and business returns for the most recent two years (1120, 1120s) and Schedule K-1s, if applicable.


  • The most recent two months bank statements for all accounts listed on your loan application - checking, savings, stock, retirement, and any other asset accounts.
    Note: All pages of each statement are required, even if the pages are blank.


  • Please provide the following for each property that you own:

    • mortgage statement,

    • insurance declaration page (shows annual premium),

    • HOA bill, if applicable,

    • and current tax bill.

    • If the property is a rental, provide rental agreements.

  • If you have a solar lease on the subject property, please provide a copy of the lease.

  • If your property is held in a Trust, please provide a copy of the Trust, or we can send you a Trust Cert to complete upon request.

  • If you have declared bankruptcy in the last seven years, please provide a complete copy of your bankruptcy papers with the discharge pages.

  • If you are divorced or are paying/receiving alimony or child support, please provide a complete copy of your divorce decree, marriage settlement agreement, and any court papers documenting the actual payments required to be made or received.

  • Copy of ONE Government Issued Photo ID: State Driver License, Military ID, State ID, Passport, etc.

We will provide you with a secure link to upload your files directly to our system.




  • Google Places
  • YouTube
  • Facebook
  • Yelp for business
  • Twitter


(619) 786-4478


3110 Camino del Rio S, Suite 311
San Diego, CA 92108


CA DRE 01264205, AZ MB 0948733
NMLS 292211