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, etc.) • 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.
• 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 owned • Current business license or letter from accountant to validate minimum 2 years self-employment
PHL is now licensed to offer home loans in California and Hawaii.
Call us toll free 866-289-2778 or local 808-891-0415 Email us if you have any questions. Click get pre-qualified to get started on the loan process right away.
Pacific Home Loans - Financing Your Paradise!
Mangum Mortgage, Inc.
Federal Trade Mark: Pacific Home Loans
DBA Hawaii: Pacific Home Loans
Artistic Photography by Justin Shaw
Contact: (808) 757-1079
Toll Free: (866)389-2778
2395 S Kihei Rd #205
Kihei, HI 96753
Hours: M-F 8am to 5pm Hawaii Time