Pre-Approval
Current Paystub
2024 W2
Current Bank Statement(s)
Driver's License
Refinance Submission
Current Paystub
2024 W2
Current Bank Statement(s)
Driver's License
Mortgage Statement
Homeowner's Insurance Declarations Page
Homeowners Association (HOA) most recent bill, if any HOA
You want great personal service with top notch communication? To understand what you're doing, and why? To know you're getting a good loan/rate for your situation? You want help navigating the complex options, needs and documents to get a mortgage loan? To work with someone with long term expertise that has the best chance to solve problems that come up? Rate how complex your Loan may be here. Than you should choose me to help you with your mortgage.
Pacific Sunset Mortgage is a high service level boutique true mortgage broker company. My multiple national wholesale lender partners I work with, pay me for placing loans with them. In a way, I'm like their loan officer locally. I get the same percentage compensation no matter what loan I do. I get the same from every lender I use, the same no matter what rate you get, the same no matter if you pay points or not, the same if you go Conventional or FHA or VA or USDA (Reverses pay differently). My incentive is to find you a good loan for your situation from my lenders, comparing their rates/points/programs for you, as I get the same compensation from them no matter what loan I do.
We make a BIG difference for you over mortgage banks, retail banks, credit unions and internet lenders. We compare, therefore are very competitive on rates for you, and have many options.
Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.
A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. We are a local lender that works with multiple national lenders/investors and can compare their rates, terms and programs for you. By combining professional expertise with direct access to a multitude of loan products, your mortgage broker provides the most efficient way to obtain financing tailored to your specific financial goals.
In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options while providing personal service at high levels.
There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.
A mortgage broker also: