All you have to do is provide what you already have, proof of income and proof of debt. It's easy.

Don't be affraid to find out what you qualify for. Be the 1 out of 5 who have moved out of the apartment and are ready to gain equity. You can do this. We can help!

Here is the list of items we will need to get started. This includes everyone who is planning to buy a home and needs a loan.

• 3 months copies of all checking/savings accounts (assets)
• 3 months copies of employer check stubs (any raises in the near future we need to know about?)
• Last 2 years W-2's from employer
• Last 2 years tax returns (all pages)
• all credit card accts / loans (name of bank and monthly payments, car payments, old navy, etc.) no acct numbers needed.

Once you have these, then we will need you to fill out the 1003 (.pdf) and the authorization to pull credit. (.pdf) These are linked for you to download as a .pdf. Just print and fill them out.

The 1003 will be typed later, so as long as Jeff or our staff can read it, that's okay. Filling out the 1003 can create questions, so please call or email with any questions you have. Remember that the more accurate, the less surprises we face later. Call 510 742 3212.

1. Fill out the 1003-(.pdf)
2. FIll out the Authorization to pull credit -(.pdf)
3. Fill out the Authorization for Short Sale -(.pdf)

Other helpful tools are:

• Buyer's Net Sheet-(.xls)
• Pro Buyer's Costs Sheet-(requests advanced .xls)
• SEARCH for your home now

* Out of 75 office calls, only 1 out of 5 homebuyers calling on a house they wanted to buy were actually approved by a major lender and had an approval letter. Needless to say, those who did not get approved did not get the home they called about.

contact us and let us know if there is anything else you need.