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.

We provide financing for home purchases, refinances, and home equity lines of credit (HELOCs). Here is a full list of the loan programs we do and do not offer. If you have a specific loan program in mind and aren’t sure if we offer it, feel free to reach out.

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 to order the report. The cost is $139 for an individual credit report and $143 for a joint report.

A hard credit check will ultimately be required to obtain a mortgage, regardless of which lender you work with. Some lenders start with a soft credit check and collect the fee later when they complete the hard credit check. Others complete the hard credit check upfront and collect the fee at closing. To streamline the process, we complete the hard credit check and collect the fee as soon as you submit your application.

After you submit your online application and upload your documents, Solcosta Home Loans is notified and we’ll begin reviewing your information. The application process is handled virtually through our secure application portal, email, phone, and/or text. If you have a preferred communication method, let us know, and we’d be happy to accommodate!

Our initial review takes 2-3 business days. Once our review is complete, we’ll either have everything we need or we’ll request any additional items we need from you. If additional items are needed, we’ll complete our final review 2-3 business days after you provide them.

Yes, whether you’re purchasing a home or refinancing, we collect all necessary financial documents up front. This helps ensure your numbers are accurate and avoids delays later in the process. For purchase transactions, a fully documented pre-approval shows sellers and listing agents that you have been thoroughly vetted, which helps make your offer stronger and more competitive.

When you finish your application, the list of requested documents appears in the portal instantly. The list is based on the information you provided on your application, so you only see requests that are relevant to you.

Depending on your financial profile, you may be asked to provide paystubs, W2s, tax returns, or other documents. You’ll also see standard requests such as your photo ID and recent bank statements. You can upload the items to our secure application portal at your convenience.

To see what our clients are saying about Solcosta Home Loans, take a look at our Google reviews. We have over 200 reviews with a 5.0 average rating, and we’ll provide you with the same 5-star service.

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.