Apply

When beginning the process of shopping for a home or if you are interested in refinancing your current mortgage, it’s essential to get pre-approved first. This is not an actual application to the bank, but rather a preliminary assessment of your capacity to qualify and what loan programs are available to you.

The main qualifying factors are:

  • Your job history and level of income
  • Credit history and FICO score
  • Assets, down payment and cash reserves

Here’s how to get your pre-qualification started:

First, fill out our fast and easy pre-approval application.

Next, email or fax us the following documents to (310) 243-6662:

  • Federal tax returns; all pages, most recent 2 years
  • W-2, 1099 and/or K1 forms if applicable;  most recent 2 years
  • Corporate tax returns most recent 2 years (if applicable)
  • Employment paystubs covering last 30 days (if self employed please provide year-to-date fees collected)
  • Summary of your total liquid assets. This includes funds in checking/savings, brokerage, mutual funds, etc.
  • Summary value of retire accounts; IRA, pension, etc.
  • Permission for Benton Mortgage to request your credit report. permission form.

That’s it! We’ll contact you that same day to acknowledge receipt of your submission and will let you know If we have any additional questions.

Full Loan Approval

If you have already found your home and need to move fast then we’ll need a few more items to complete your loan package:

First,  fill out our complete loan application.

Next, email or fax us the following documents to (310) 243-6662:

  • Federal tax returns; all pages, most recent 2 years
  • W-2, 1099 and/or K1 forms if applicable;  most recent 2 years
  • Corporate tax returns most recent 2 years (if applicable)
  • Employment paystubs covering last 30 days. If self employed please provide year-to-date profit/loss statement
  • Bank Statements; 2 months checking/savings; all pages
  • Retirement and brokerage statements; 2 months or recent quarterly statement if applicable; all pages
  • Permission for Benton Mortgage to request your credit report. permission form
  • Copy of driver license and social security card for each borrower

Refinance

If you are thinking of refinancing, and you want to see if it makes sense for you, tell us about the loan you currently have. Go here to fill out some general information.