How quickly can I be pre-approved for a loan?

You can be pre-approved for a loan in as quickly as 45 minutes.

Can I talk directly to a loan officer?

Of course! To speak directly to our Senior Loan Officer, please call Eric at 707 477 9841.

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Who should I contact once I have submitted my online application?

Once you have submitted an online application, it will be forwarded to one of our highly qualified loan officers who will contact you at the time you specified. If you would like to speak with a loan officer sooner, please call Eric Anderson at 707 477 9841.

What kind of information and documentation do I need to provide for my loan application?

The documentation required will vary depending on the loan program you choose. Please contact your loan officer for more information. The guidelines below should give you a general idea of what you may need to provide.

For a Full Documentation Loan: You will need to provide year-to-date pay stubs for the last month, your W2s for the last two years, a copy of the most recent two months' statements of assets. If you receive commission pay or are self-employed, please be prepared to provide the most current two years' Federal Tax Returns. If you are refinancing, please provide a copy of your current homeowner's insurance information.

For a Stated Income Loan: You will need to provide a copy of the most recent two months' statements of assets. If you are self employed, you will need to provide a copy of your business licenses for the last two years, and/or a letter from your CPA certifying a two-year history of self-employment.

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What do I do if I have trouble filling out my application?

If you are having trouble filling out an application, please call Eric Anderson at 707 477 9841. Our staff of loan officers will be happy to help you.

Can I apply for a purchase loan before I find a property?

Yes. You can be pre-approved or pre-qualified for a home purchase loan before you find a property. Getting pre-approved or pre-qualified will help you shop for properties within your price range, and will give you leverage with the seller when you find a property you would like to purchase.

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Can I get a loan if I don't have much cash for a down payment? Can I get a loan if I don't have much cash for a down payment?

Yes. Central Funding Group has several loan programs that are designed for borrowers who may have little or no cash available for a down payment. Please call one of our highly qualified loan officers to get program specifics at 707 477 9841.

Is there any cost to apply?

Central Funding Group does not charge an application fee for conforming residential purchase and refinance loans.

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