These are the items we will need to issue an approval letter: (the days of hard money lending based solely on the value of the property are long gone. The government has outlawed such programs).
- Last tax return
- Pay stubs, if you have them
- W2 or 1099’s
- Copy of your ID
- Copy of bank statement (401k statement, stock account) proving that you have enough for the down payment and the closing costs.
LOAN SUBMISSION FORM
Please fill out our miniature loan application below and upload the things that we need. If you need your approval letter right now, call us at 702-214-4700
After we have spoken to you, and after we have the things we need (1 Tax return, 2 pay stubs, 2 bank statements, 1 copy of id), we will send you an approval letter that you can take to your realtor or submit with your offer. Many times we will send an approval letter without everything so call us! 702-214-4700
Once we do get those items, we will work hard and fast on your file, and then you will have to come in to sign your first set of documents. Federal law says that 7 days later, you can have your money. If it is an emergency, federal law says that you can sign a waiver of your rights, but those waivers are only for bonafide emergencies.