The Hill Team - Are You Pre-Approved?

Getting pre-approved for a loan

To get pre-approved, you will complete a mortgage application and provide me with various information verifying your employment, assets and financial status such as W-2 forms, bank records and credit card statements. We’ll review your mortgage options and submit your application to the lender that best meets your needs. Once the application process is complete you will receive a pre-approval letter indicating the amount your lender is willing to lend you for your home.

A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home you wish to purchase and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise or a specified expiration date passes, your lender must review your situation and recalculate your mortgage amount accordingly.

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Please complete the online application form first. You will be contacted and asked to provide written verfiication of income, assets, and closing funds. The pre-approval is used to verify your ability to close.

Required documents to be emailed, faxed, or delivered to Scott Hill:

Signed and completed credit authorization form, so we can pull your credit report
Copy of current driver's license (or other valid picture ID)
Copy of Social Security card if FHA or VA loan
Pay stubs covering the most recent 30 day period
Mose recent 2 years W2's
Most recent 2 years 1040's (federal tax returns) -- ALL PAGES
Bank statements covering most recent 2 months -- ALL PAGES
Any additional requested documentation by American Pacific Mortgage

Email: scott@scotthillteam.com

Fax: 408-558-4421

Deliver: 3190 S. Bascom Avenue, Suite 100, San Jose, CA 95124