A pre-approval letter is not binding on the lender; it is subject to an appraisal of the home you wish to purchase and certain other conditions. If your financial situation changes (e.g. you lose your job), interest rates rise or a specified expiration date passes, your lender must review your situation and recalculate your mortgage amount accordingly.
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Please complete the online application form first. You will be contacted and asked to provide written verification of income, assets, and closing funds. This pre-approval is used to verify your ability to close.
With All-cash purchases, only a current bank statement is needed. American Pacific Mortgage will provide their pre-approval 48 hours after receiving all required documents and information.
Required documents to be emailed, faxed, or delivered to Michele Morse Reen:
- Copy of credit report within 30 days or signed authorization to run credit
- Driver's License photocopies (or other valid picture ID)
- Last Two years of W-2’s. (2010 and 2009)
- Bank Statements covering past two months
- Pay Stubs covering the most recent 30 day period
- Any additional requested documentation by American Pacific Mortgage (Possibly 2 years tax returns)
Email: mreen@reenteam.com
Fax: 408-558-4438
Deliver: 3190 South Bascom Avenue, Suite 100 San Jose CA 95124
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