With Lending Solutions, the loan approval process has never been as easy. We offer a variety of secure and convenient application options:

  1. Call us at (916) 299-0044
    • We will gladly take your application over the phone and assist you with any questions you may have.
  2. How much can you Qualify for?
    • A secure and easy tool to prequalify you (Online)
  3. Apply Now Quick Application
    • Complete a Quick Formal Application (Online)
  4. Download Quick Application
    • A short application that takes no more than 5 minutes to complete (PDF)
  5. Apply Now Full Application
    • Formal Loan Application (Online)
  6. Download Complete Document Checklist
    • Full Loan Approval Document Checklist (PDF)

*Self-Employed or Credit Challenged Borrowers are encouraged to call us regarding specific documents needed

Documents Needed

    • Copies of two current IDs (driver’s license, social security, passport, military, birth cert.)
    • Two most recent paystubs in the last 30 days
    • Last two years Federal Tax Returns, W2’s & 1099’s
    • Two Most Recent Bank Statements (all pages on all accounts)
    • Current 401K, Money Market, CD, Stock or Investment account statements (if applicable)
    • Annual Award Letter &/or Benefits Check (social security, retirement, disability, etc.)
    • Letter of Explanation for Delinquent Credit Ratings (if applicable)
    • Residence History for the last 2 years (include last 12 months landlord info)
    • Employment History for the last 2 years (include all employer contact info)
    • Copy of Home Owner’s Insurance Declaration Page/Quote & Agent’s contact Info
    • Most Recent Property Tax Bill & Mortgage Statement (for all properties & mortgages)
    • Refis – Adjustable Rate Loans – Copy of 1st Mortgage Note, Note Riders / Addendums
    • Refis – List of Home Improvements or Debts to be Paid Off
    • Veterans – Copy of DD214 and Certificate of Eligibility