Getting Pre-Qualified

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.

Lynda Bernal
Mortgage Loan Officer
HomeServices Lending
cel 805.701.0199
lynda@homeserviceslending.com
4574 Market Street, Ventura CA 93003

Austin Lampson
Branch Manager - Sr. Mortgage Consultant
Homeowners Financial Group 

office (805) 869-7101
cel 805.335.8200
austin@austinlampson.com
https://www.homeownersfg.com/austinlampson/

Mark Johnson
Sr Loan Originator
Cornerstone Home Lending
phone: 805.563.1100
mjohnson@houseloan.com
1828 State St, Santa Barbara, CA 93101

Michael Quinn / Branch Manager
Sierra Pacific Mortgage
805-232-8796 cell
Michael.quinn@spmc.com
1583 Spinnaker Dr #213
Ventura, CA 93001