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Beautiful LA kitchen with palm trees
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Let's get started.

Pre-approval, underwriting, and clean next steps. Apply online or send a quick scenario.

Application
Start the application
For pre-approval, underwriting, and clean next steps. Takes about 15 minutes.
Start Application →
Quick Scenario
Text a scenario
Send your purchase price, down payment, credit range, property type, and income story.
Text Derek
Preparation

What to have ready.

Having these details makes the process faster.

Traditional
W-2 / Full Doc
  • Recent pay stubs (30 days)
  • W-2s (2 years)
  • Tax returns (2 years)
  • Bank statements (2 months)
  • Photo ID
  • Purchase contract (if applicable)
Non-Traditional
Bank Statement / Alt-Doc
  • Bank statements (12-24 months)
  • Business license or CPA letter
  • P&L statement (if applicable)
  • 1099 forms (if applicable)
  • Photo ID
  • Purchase contract (if applicable)

Prefer to talk first?

Call, text, or email. No pressure, just answers.

Derek Vail
Derek Vail
NMLS #1233953 · Senior Loan Advisor
Powered by 7 Mortgage, LLC
Text 323.823.7913 Call Email
Text me your scenario — purchase price, down payment, credit range, and property type — and I'll send back your payment, cash-to-close, and best-fit lane.