Whether you’re looking to get pre-approved to purchase a home or you want to refinance your current mortgage, Solcosta Home Loans makes it easy with our simple two-step process.

Step 1: Complete your online loan application by clicking here. The online application can be completed on a mobile device, tablet, or desktop computer.

Step 2: Once you complete your online loan application, you’ll be prompted to upload specific financial documents and provide payment for your credit report.

The credit report fee is a third-party cost you’ll pay directly to our credit provider, Advantage Credit. After completing your online loan application, you’ll be asked to provide payment for your credit report order.

While some lenders may begin with a soft credit check and charge you later when they conduct a hard credit check, we complete the hard credit check during the application process. This ensures you receive the most accurate information about your rate, pre-approval amount, and loan options — right from the start.

After you submit your online application and upload your documents, Solcosta Home Loans will automatically get notified and we will begin reviewing your information. We will be in touch within a few business days at most, but often it will be sooner. The entire pre-approval and loan process will be done virtually via our secure web portal, email, phone, and/or text message. If you have a communication method preference, please let us know and we’d be happy to accommodate!

To see what our clients are saying about Solcosta Home Loans, take a look at our Google reviews. We have over 190 reviews with a 5.0 average rating, and we promise to provide you with the same 5-star service.

No worries, submitting an application doesn’t commit you to anything — it’s just the first step in the process. Even if you’re not quite ready, we can help you create a customized plan to achieve your goals! Still have questions? Not a problem — feel free to contact us and we will get back to you ASAP!