Pacific Southland Mortgage Online Application

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Hello! This is a pre-qualification application, and will require filling in a few items of additional information on an actual application that we will send you. Please complete all items requested, and we'll begin processing your application, and provide a pre-qualification letter by return email, then forward the actual application to you for signatures upon your decision to move forward. This application assumes a purchase, not a refinance, 30 year, fixed rate loan at prevailing rates (we will send a quote at the time of lock, before you commit) CALIFORNIA PROPERTIES ONLY! We will assume solid credit and verifiable assets, with at least two years stable employment history for all borrowers. (all data will be verified prior to submittal to the lender). As a mortgage broker, Pacific Southland Mortgage can work with all credit situations, and numerous loan types, adjustable rates, buydowns, etc., however, this application is for the basic loan parameters outlined above. This looks long, but it will only take you about 15 minutes. Please call with questions! As far as we're concerned, all servers are insecure, so if you'd like, you may print out this form, fill it in by hand, and fax it to us, send an email to let us know you sent it, or call for information. FAX :(866)877-1378

What do we mean by solid credit and assets? CLICK HERE!



General Information - Part I


Borrower Name:

Email:

Mailing Address, Street:

Mialing Address, City/State/Zip:

(A Co-borrower is usually an immediate family member; a spouse, child or parent who will be living in the property with you and who's income and assets will be used to qualify for the loan. If two persons are buying the property together, and one will not live there, or they are not family members, best to complete two separate applications.)
Co-Borrower Name (if any):

This application can also be used as a pre-approval, if you don't know the property address yet, please enter "none" below.
Property Address, Street:

Property Address, City/State/Zip:

Purchase Price:

Down Payment Amount:
Please only enter monies which are readily available, and verifiable. You will need additional monies to cover closing costs as required, plus the lender will want you to have around 4 months of "cash reserves" after closing. The banks don't want you to end up totally broke after you buy! Ask us if you have questions.

Enter Property Type (select one)

  1. Single Family Residence
  2. Condominium
  3. Townhouse
  4. Duplex
  5. Rental Units

Will You Live In This Property? (primary residence)
  1. yes
  2. no

Borrower Section - Part II

Social Security Number:

It's ok to leave social blank and call with the info, this is an insecure server)

Age:

Years in School:

(i.e. 14= 2 years of college)

  1. Married
  2. Unmarried, Divorced, Widowed
  3. Separated

Do you have any dependents? If so, list names and ages:

Current Address ( if different than mailing address above):

Current City/State/Zip:

Do You Own The Property Where You Live?

  1. Own
  2. Rent
  3. Live With Others

If you rent, what is your current rent?

If you own, what is your current monthly housing expense?

This should include house payment, monthly taxes, monthly insurance, monthly mortgage insurance, homeowners association (if applicable).

How Long There?

If Less Than 2 years, please give additional address information:


Name of Employer:

Employer Address, Street:

Employer's City/State/Zip:

Years on This Job:
Years in This Profession:
Position/Title:

Business Phone Number:

Are you self-employed in the above business?

  1. yes
  2. no

Monthly Income, All Sources

This is your GROSS monthly income before taxes. Use an average of last two year's income, or the last 12 months, whichever is the worst case scenario. If self-employed, use average of last two year's total annual income directly from your tax returns, or the last 12 months, whichever is worst case scenario. That is how the bank will look at it!

If Less Than 2 years, please give additional employment information:

Expenses, Long Term Debt

Total Credit Card Debt (total amount you'd have to pay to clear all accounts)

Monthly Payment on All Credit Card Debt (estimate)

Monthly Car Payment (do NOT include insurance, and answer zero if less than 8 months left to pay)

Other Long Term Monthly Payments (Boat Loans, Personal Loans, Student Loans, Lines of Credit)

Monthly Child Support and Alimony, Monthly Obligation (even if this is taken from your paycheck)

If there are no co-borrowers, please type "none" in the first line, and skip the rest of the "Co-Borrower Section", you're almost done!.

Co-Borrower Section - Part II (cont.)

Social Security Number:

It's ok to leave social blank and call with the info, this is an insecure server)

Age:

Years in School:

(i.e. 14= 2 years of college)

  1. Married
  2. Unmarried, Divorced, Widowed
  3. Separated

Do you have any dependents? If so, list names and ages:

Current Address ( if different than mailing address above):

Current City/State/Zip:

Do You Own The Property Where You Live?

  1. Own
  2. Rent
  3. Live With Others

If you rent, what is your current rent?

If you own, what is your current monthly housing expense?

This should include house payment, monthly taxes, monthly insurance, monthly mortgage insurance, homeowners association (if applicable).

How Long There?

If Less Than 2 years, please give additional address information:


Name of Employer:

Employer Address, Street:

Employer's City/State/Zip:

Years on This Job:
Years in This Profession:
Position/Title:

Business Phone Number:

Are you self-employed in the above business?

  1. yes
  2. no

Monthly Income, All Sources

This is your GROSS monthly income before taxes. Use an average of last two year's income, or the last 12 months, whichever is the worst case scenario. If self-employed, use average of last two year's total annual income directly from your tax returns, or the last 12 months, whichever is worst case scenario. That is how the bank will look at it!

If Less Than 2 years, please give additional employment information:

Expenses, Long Term Debt

Total Credit Card Debt (total amount you'd have to pay to clear all accounts)

Monthly Payment on All Credit Card Debt (estimate)

Monthly Car Payment (do NOT include insurance, and answer zero if less than 8 months left to pay)

Other Long Term Monthly Payments (Boat Loans, Personal Loans, Student Loans, Lines of Credit)

Monthly Child Support and Alimony, Monthly Obligation (even if this is taken from your paycheck)

Details, Disclaimer Acknowledgement, Signatures - Part III

Do any borrowers own other real estate?

  1. yes
  2. no
Please read the following statement:

No borrowers on this application: 1)have any outstanding judgements, 2)are a party to any current lawsuit, 3)have been declared bankrupt within the past 7 years, 4)have had any problem of any kind in the past paying off a mortgage loan obligation, such as a foreclosure, 5)are presently delinquent on any tax or other federal debt.

Is this statement:

  1. "true, we have none of those problems"
  2. "well, I'm afraid that's not true, we have had some problems"

Neither answer necessarily disqualifies you from obtaining a mortgage loan.


Pacific Southland Properties is a mortgage broker, we do not fund loans directly. The purpose of this application is to begin the loan process online, and produce a prequalification letter for the borrower based on the information provided by the borrower which is required by many realtors in the process of making an offer on the purchase of property. All information will have to be verified, and a standard application for a mortgage loan will eventually be completed and processed. We do not examine any credit report in this prequalification process, and, typically, a fee will be required for credit reports and processing should the applicant move forward with the process. Prior to moving forward, you will be notified of all fees, current rate of interest, and other important information. You are under no obligation of any kind by completing this prequalification process.


Is there anything else you think we need to know?


That's It! you'll hear from us typically within 24 hours (except weekends and holidays, or other posted away dates) After we review your information, we'll notify you of your next steps, and options. Thank you for taking the time to complete this application! Please click below to electronically "sign" and submit this application, or click "reset" to erase the form. Again, thanks!


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