Are You Ready To Take The Next Step?

Refinance

Did you know the average US homeowner refinances their home mortgage every three to five years? There are 3 very common reasons to refinance a home mortgage. When speaking with a California Vanguard Mortgage Specialist they will assess your needs and help determine which route will lead you to a loan that will fit you and your family. Ask as many questions as possible and talk about your true immediate and long-term goals to enable your mortgage specialist to deliver the comprehensive help you need.

Take Cash Out

Leverage your investment and use the equity your house has gained over the years.

Lower Your Payment

As an established homeowner, you can improve your financial security by refinancing to a lower payment.

Shorten Your Loan Term

Refinance into a shorter term, so you can pay off your mortgage sooner.

Purchase

Are your considering purchasing your 1st home, your dream home or adding a piece of real estate to your investment portfolio? Before looking for homes even the wisest and most savvy investor always will reach out to a California Vanguard Mortgage Specialist to determine what he/she can afford and qualify for. Don’t waste your time or your Real Estate Agents time by shopping for a home without speaking with one of our Mortgage Specialists first. Our Mortgage Specialist will not only Pre-Qualify but will get you Pre-Approved to purchase. This means taking a comprehensive look at your complete financial picture and give you the assurance you and your Real Estate Agent needs before placing an offer on your new home. Of course, everyone who reaches out isn’t approved on their first try, however our Mortgage Specialists are well equipped to get you on the road that will lead you to being qualified for your purchase. We’ve helped enough people get ready to purchase and we are sure we can leverage our knowledge and unique situations that we have experienced to help you also.

New Customer Loan Required Documents

Income

  • The most current pay-stubs to cover one month of income
  • Last two years W2’s
  • If self-employed, most recent Profit and Loss Statements
  • Last two years Tax Returns (all pages, all schedules)

Assets

  • Last two months of all Bank Statements
  • Checking’s, Savings, Stocks, Bonds, Mutual Funds
  • Most recent 401K Statement
  • Investment Property Rental Agreements (if applicable)

Current Income

  • Home owner’s Insurance Policy
  • Most recent Mortgage Statement
  • Most recent Property Tax Statement

Identity

  • Copy of Driver’s License or State Identification Card
  • Copy of Social Security Card

Other

  • Copy of Divorce Decree and Property Settlement Agreement
  • If receiving court ordered child support, all Legal Documents
  • If disabled, letter stating how long disability payments will continue if receiving structured settlement or annuity payments, letter indicating how long the payments will continue
  • If receiving Social Security Income, Form 1099 or Yearly Award Letter
  • If ever filed bankruptcy, all Legal Documents and Discharge Schedules
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