With California Home Solution, Inc, the loan approval process has never been as easy. We offer a variety of secure and convenient application options:
- Complete Secure 1003 Application
- Formal Loan Application
- Call us at (818) 999-6070
- We will gladly take your application over the phone and assist you with any questions you may have.
- Download Application
- Download this FREE application now and simply mail it, fax it, or bring it to the office.
- Documents needed
- Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
- Names/addresses of employers for two years
- W-2s for two years
- One to two years of tax returns
- A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker
- Bank statements for two to three months
- If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
- Proof of pension income, if applicable
- Social Security and Disability payments, if applicable
- Dividend earnings
- Bonuses
- Child support or alimony payments (optional for you to disclose)
- A copy of earnest money deposit
- Information on debts such as car loans, student loans and credit cards
- Security accounts (stocks, bonds, life insurance)
Frequently Asked Questions
How do I apply for a mortgage with California Home Solution?
You have three easy ways to apply for a mortgage: complete our secure online application, call us at (818) 999-6070 to apply over the phone, or download the application and mail, fax, or bring it to our office. Whichever you choose, we will guide you through each step.
What documents do I need to apply for a mortgage?
Most applications require recent pay stubs, W-2s and tax returns for the past two years, two to three months of bank statements, and details on your debts and assets. Self-employed borrowers should also have a year-to-date profit and loss statement. The full checklist is listed above, and we will tell you exactly what applies to your situation.
How long does the mortgage application process take?
It varies by loan type and how quickly documents come in, but many borrowers move from application to approval in a few weeks. Having your paperwork ready up front is the single best way to speed things up. We keep you updated at every stage so you are never left guessing.
Can I apply for a mortgage if I am self-employed?
Yes. Self-employed borrowers can apply for a mortgage with us using programs designed for non-traditional income, such as bank statement loans. Bring your year-to-date profit and loss statement and two years of signed returns, and we will match you to the right program.
Does it cost anything to apply?
Starting an application and reviewing your options with us is free. We will walk you through any costs involved in your specific loan before you commit, so there are no surprises. As always, feel free to call us if you have any questions.
