This is the real thing, the secure application that comes directly to me. Most people finish in about 20 minutes. You create a login along the way, so you can stop and pick up where you left off.
Three fields, then I send you straight into the secure application. This way I know you started and I can help if you get stuck partway through.
You do not need all of it to start, and nothing here is a surprise later. Having it nearby just makes the process faster.
Photo ID, Social Security number, and your address history for the past two years.
Recent pay stubs and W-2s. If you are self employed, your last two years of tax returns.
Recent statements for checking, savings, and any retirement or investment accounts.
The address if you already have one under contract. If you are still looking, that is completely fine.
Your application comes straight to me, not to a call center or a queue. I look it over the same day in most cases.
I shop your scenario across lenders and programs, then walk you through what fits and what it means month to month.
Once your credit and documents check out, you get an approval letter you can shop with, and I stay on call through closing.
Completely normal, and a lot of my clients start here instead. Send me a short note about what you are working toward and I will come back with real next steps. No credit pull, no obligation.