Loan Factory

Dear Robert Smith,

Thank you for your interest in applying with us. Please click on the button below to start the application process!

Start Application Now

At the end of the application, you'll be able to securely upload your documentation to expedite the processing of your loan. If you prefer, feel free to email your documents to us.

Here are the list of documents that we need from you:

  • Latest Federal Tax Return and W-2s
  • Latest 1 month pay stubs
  • Latest 2 months bank statements
  • Homeowner Insurance Declaration
  • Mortgage statement
  • HOA (Homeowner Association) statement (if applicable)

If you are Self-Employed

  • Latest 2 years Federal Tax Returns
  • Latest 2 years Business Tax Returns and Schedule K-1 (if applicable)

If you have Rental property

  • Latest 2 years Tax Returns
  • Latest 2 years W-2s
  • Fire Hazard Insurance Declaration for all rental properties




Joel Gutierrez Jr|Loan Officer
Direct (619) 879-8799
Corporate (408) 877-8000
2195 Tully Road, San Jose, CA 95122
NMLS: #2373582; CO-NMLS: #320841

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