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Application Checklist

Everything you need to know...

1. One of LEI's "Trusted Advisors" will advise you on the program that best fits your needs based on your unique situation.
2. For your convenience you may choose to receive your application via UPS, e-mail, or right here on line.
3. Based on the program selected you will need to provide the following:
   • Full Document
     • 2yr W2 or Tax Returns (if self employed)
     • 1 month recent pay stubs
     • 2 month bank statements
     • Award letter (if retired)
     • Investment / Savings /Asset Accounts
     • 1st Mortgage Statement
     • 2nd Mortgage Statement (if applicable)
     • Homeowner's Insurance Declaration page
     • Rental Agreement (if rental properties are owned)
     • Mortgage statements (on other properties if any)
     • Drivers License
     • Bankruptcy Papers (if applicable)
     • Child Support / Alimony (if applicable)
     • Business License or Letter from CPA (if self employed)
     • Purchase Agreement (if purchase)
   • Reduced Document
     • 2 month bank statements
     • Investment / Savings /Asset Accounts
     • 1st Mortgage Statement
     • 2nd Mortgage Statement (if applicable)
     • Homeowner's Insurance Declaration page
     • Mortgage statements (on other properties if any)
     • Drivers License
     • Bankruptcy Papers (if applicable)
     • Child Support / Alimony (if applicable)
     • Business License or Letter from CPA (if self employed)
     • Purchase Agreement (if purchase)
   • No Document
     • 1st Mortgage Statement
     • 2nd Mortgage Statement (if applicable)
     • Homeowner's Insurance Declaration page
     • Mortgage statements (on other properties if any)
     • Drivers License
     • Bankruptcy Papers (if applicable)
     • Child Support / Alimony (if applicable)
     • Purchase Agreement (if purchase)

You may send in your application:

• UPS Overnight to LEI Financial Corporate Headquarters:
  1330 Orange Ave Suite #250 Coronado Ca 92118
• In person, California
• Via Fax 619-330-2464

Loan Process

1. Appraisal – A certified local appraiser will contact you to set up your appraisal. Please be prepared to write the appraiser a check as this will be your only "out of pocket" expense.
2. Submission – Application along with required documents will be submitted to processing. You will also be assigned a personal Account Manager to keep you updated on your file.
3. Underwriting – Your file will be underwritten to obtain loan approval with conditions. Your account manager will then fulfill those conditions in order to get your final documents out to you.
4. Final Documents – A notary will set up an appointment to come to your business or home to sign final documents. Those documents will be sent to escrow overnight for funding.
5. Funding and Recording – Escrow and the lender will work together to fund and record you loan and fulfill all prior to funding conditions.