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Opening hours 8:30AM - 5PM
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Address: 26305 Jefferson Ave Ste G & H, Murrieta, CA 92562
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Phone: (951) 370-1925
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Email: info@fullrealtyservices.com
Lending
Applying For A Mortgage
Once you’ve made the decision to become a homeowner and picked the house, you may need to apply for a loan. This process might seem daunting, but your lender will guide you through it. The process will be even easier if you know what to expect and prepare for it.
Here are the high-level loan application steps:
Here are the high-level loan application steps:
1
Prepare required documents
Two years of employment history, current employment status and salary are needed. Employment letters can be used to explain gaps in employment.
Two years of W-2s (this does not apply if self-employed) and tax returns allow the lender to be sure that your salary is high enough to make the mortgage payments every month.
Most recent pay stubs for the last 30 days tell the lender that you’re still earning money similar to the amount on your tax returns. (This does not apply if self-employed, but the lender will likely require a profit and loss statement.)
List of assets, including bank statements, let the lender know that you have the money to cover the down payment, closing costs and a reasonable emergency.
2
Submit the application
Once you’ve prepared the required documents, the first step with the lender is to apply for the home loan. Of course, you will need to provide personal information, as well as information about the property you’ll be purchasing, such as the address and estimated purchase price.
3
Provide your documents
Submit your documents, such as pay stubs, W-2s, bank statements and employment history.
4
Get pre-approved in as little as 24 hours
Once your loan application is submitted, you should receive your pre-qualification in as little as 24 hours.
Mortgage Solutions Designed Around Your Life
We believe that finding the right mortgage is about more than just rates—it’s about creating a foundation for your future.
At 21st Century Lending, we understand that no two borrowers are alike. That’s why we offer a diverse range of mortgage products to accommodate various financial situations, property types, and homeownership goals. Our experienced loan officers will work closely with you to identify the mortgage solution that aligns with your unique needs.
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Our agents bring market knowledge, negotiation expertise, and personalized service to every transaction. With a track record of success, we help sellers achieve top dollar in the shortest time possible.
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