Apply online with Solcosta Home Loans

At Solcosta Home Loans, we’re committed to offering competitive rates, world-class service, and a streamlined loan process that’s fast and efficient. Whether you’re purchasing a new home or refinancing your current mortgage, you can feel confident knowing you’ll get the best loan tailored to your specific situation.

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 provide payment for your credit report and upload your supporting financial documents.

Note: We recommend reviewing the FAQ section below for answers to common questions about the loan application process.

Frequently Asked Questions

Why do I need to pay for my 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.

A hard credit check will ultimately be required to obtain a mortgage, regardless of which lender you work with. 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 up front 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.

Do I need to provide documentation to get pre-approved for a home purchase?

Yes, we collect all necessary financial documents up front to ensure the pre-approval we issue for your home purchase is as accurate and reliable as possible. Our reputation for accuracy is one of the reasons our pre-approval letters carry so much weight. This thorough approach gives sellers confidence that you’ve been fully vetted — making your offer stronger and more attractive when purchasing a home.

What happens after I apply?

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!

Want to chat with Dan before applying?

Let’s do it! Please click here to select a time that is most convenient for you, and Dan will call you at the time you choose.

Want to do some research on us before applying?

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.

Not sure if you are quite ready to apply?

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!

Working with Solcosta Home Loans

Since we are a mortgage broker and not a bank, we have the ability to shop multiple lenders to get you the best deal possible.
We offer a wide variety of loan products, and we can help you find the loan that is right for you!
We are fast and efficient and have the ability to close most of our loans in 18 days or less.
We are locally owned and operated in Northern California. That means when you call or email us, you will be speaking with us directly.