Getting pre-qualified for a home loan
The first thing you need to do before starting your home search is to get pre-qualified with a good loan agent. This will take about 10 minutes over the phone. You will need to provide your social security number so he/she can run you credit report to check your credit score. You will then have a good idea of what the current loan rates are and how much of a loan you qualify for. Your loan agent will tell you what you will need to collect for her / him to fully pre-qualify you. This will include (but will not be limited to) tax returns, bank statements, existing debts. This should be done before an offer is accepted.
Below is a list of great, local loan agents my past clients and I have had wonderful experiences with.
Mortgage Loan Officer
4574 Market Street, Ventura CA 93003
Sr. Mortgage Consultant
On Q Financial
1332 Anacapa St, ste 110, Santa Barbara CA 93101
Sr Loan Originator
Cornerstone Home Lending
1828 State St, Santa Barbara, CA 93101