OCEAN PACIFIC MORTGAGE

Before You Begin | Choose the Right Loan for You
Picking Rates, Points and APR |Getting Pre-Approved
| Closing Your Loan | From Contract to Closing

Step 4: Getting Pre-Approved

Getting pre-approved is a strong first step if you're buying a home.
It lets you show the sellers that you're serious. Many buyers find
that they have increased negotiating clout if they are pre-approved
when they conduct their home search. Plus, if you're pre-qualified, it's a
snap to apply for full approval once you've found your dream
home - or want to begin building one.

How to Begin

To begin the process click on the Application link.

Fill out the application fully and a loan officer will review your application,
and check your credit report.
After we've determined that you're able to qualify for the loan, and subject to
a full underwriting review, you'll receive a letter of pre-approval.

To apply for pre-approval, you'll need the following information:

• Names, current addresses, and Social Security Numbers for all borrowers
  

• Previous addresses for the last two years
  

• Pay stubs for the last two years
  

• Two cycle's worth of bank statements for all assets
  

• W-2 forms for the last two years
  

• Tax forms for the last two years