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Mortgage Pre-Approvalin California

Why a pre-approval wins offers in Los Angeles and Orange County, plus the forms and documents to have ready before you apply.

Why It Matters

Why is a mortgage pre-approval important in California?

Los Angeles and Orange county are highly competitive real estate markets. If you plan to finance a home purchase, a mortgage pre-approval from a lender is critical, especially when multiple buyers are competing for the same property.

A pre-approval is more attractive to a seller than a pre-qualification because it means the lender has done more due diligence to determine whether you are financially qualified for the loan.

We Work When You Do

Centek Capital Group can help with your pre-approval.

You just visited a property and decided you want to make an offer right away, but it is Saturday afternoon, and most lenders are out of the office. The team at Centek Capital Group understands that real estate doesn’t take weekends off. We are available to execute a pre-approval when you need us. Our goal is to ensure you win.

Start Your Pre-Approval
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Forms

What forms do I need to complete for a pre-approval?

Getting started is simple. Two forms put your file in motion.

  1. 01

    Our loan application.

  2. 02

    An authorization agreement granting us permission to obtain your credit history from a credit reporting bureau.

Documents

What documents should I be ready to provide for a pre-approval?

Have these ready ahead of time and your pre-approval comes together quickly.

A neat stack of financial documents held with a gold paperclip on a leather folder
1

Identification

  • Government issued ID for each borrower. This can be a state-issued driver’s license, birth certificate, or passport.
2

Proof of Income

  • Employees: most recent pay stubs
  • Self-employed: profit and loss statement
  • Passive income: most recent financial asset statements
3

Financial Asset Statements

At least two months of your most recent statements, including:

  • Bank checking and savings
  • Brokerage
  • Retirement fund: 401K, pension, self-funded (ROTH, SEP, Individual), annuities
  • Trust
4

Tax Returns

  • Employees: W-2 forms and tax returns for the last two years.
  • Self-employed: profit and loss statements, 1099, and tax returns for the last two years.
  • Passive income: tax returns for the last two years.
Ready When You Are

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