Let's Talk Mortgages

Most borrowers receive a pre-approval letter within 24–48 hours of submitting a complete application with all supporting documents. In some cases, same-day pre-approvals are possible when documentation is provided promptly.

Typically you'll need: government-issued ID, 2 years of tax returns and W-2s, 30 days of pay stubs, 2 months of bank statements, and a credit authorization. Self-employed borrowers may need different documentation — your loan officer will walk you through exactly what's needed.

I'm based in Temecula, CA and know the local market well. Reach out to confirm whether I can work with you in your specific area.

Absolutely. We offer specialized programs for self-employed borrowers, freelancers, and business owners — including bank statement loans, 1099 income programs, and P&L-based qualifications. These programs are specifically designed for income situations that don't fit traditional W-2 documentation.

It depends on the loan program. Conventional loans generally require 620+, FHA allows as low as 580, VA and USDA have flexible requirements typically starting around 580–640. Our loan officers can review your credit profile and recommend the best program for your score.