• "NEW" Limited Document Underwriting

    Your Pacific Home Loans loan officer will run your file through our Automated Underwriting System to determine if you are eligible for a limited document loan. It may be possible for you to qualify for a loan with as little as a photo I.D., a pay stub, and a bank statement.

    Ask your PHL loan officer if a limited document loan is possible for your purchase or refinance.

    Streamlined underwriting is not available for foreign borrowers and portfolio loans.

    Standard Pre-Approval Document Check List

    •  2 forms of government-issued id (driver’s license, passport, social security card,
    •  2 years most recently-filed W-2s and/or 1099s
    •  2 years most recently-filed federal tax returns
    •  Current paystubs to cover most recent 30-day period
    •  Additional income source documentation: social security, pension,
        interest/dividend, child support, alimony, etc.
    •  If divorced, please provide all pages of the divorce decree
    •  Current/Previous landlord contact information
    •  Current mortgage statements for all financed properties owned
    •  If taxes and insurance for properties owned are not impounded, please provide
        copy of tax and insurance bill(s)
    •  Rental agreements for all investment properties not listed on schedule “E” of
        tax return
    •  2 months most recent and consecutive bank statements (all pages)
    •  2 months most recent and consecutive statements for all other asset accounts,
         i.e. brokerage, stocks, bonds, 401K, IRA, miscellaneous retirement accounts,
         etc. (all pages)

    **Please identify from which account(s) your down payment will be drawn.

    To complete a loan application online, click get pre-qualified.

    If you are self-employed: (as applicable)

    •  2 years most recently-filed corporate, partnership or business tax returns for all 
         businesses in which you hold more than 25% ownership interest
    •  Year-to-date profit and loss statement and balance sheet for all businesses
    •  Current business license or letter from accountant to validate minimum 2 years

    To complete a loan application online, click get pre-qualified.