Sonoma County Home Loans

Getting pre-approved for financing is the step to take BEFORE talking to a Realtor.  The pre-approval process allows a loan broker to make a commitment to secure financing on your behalf.  The broker will review your financial documents to determine valid income, assets, cash flow, and credit.  This is a mandatory step in securing financing, determining the amount of loan, and choosing the loan program and lender.  When the pre-approval is complete, the broker will forward a letter of pre-approval to the buyer's Realtor. 

Pre-approvals generally take 24 - 48 hours upon receiving the borrower's financial documentation via fax or email.

To process a pre-approval, the borrower will need to submit the following items.

• Loan Application
• Authorization to pull a credit report
• Valid identification
• Last 30 days of pay stubs
• Last 2 years of w-2s, or 1099s if retired or self employed
• Last two years of tax returns
• Last 2 months of all asset accounts (checking, savings, retirement, investments)
• For VA - DD-214 Discharge Papers to order a Certificate of Eligibility
• For refinance - latest mortgage statement, property tax bill and current insurance policy