You have currently selected John Rainey Clear
949-637-7754
949-637-7754
First Time Home Buyers

Now is the best time for it to buy your first home, and Bay Equity is ready to help put you in the right path to your new front door!

As you start your career or begin a life with your family, buying a home can be one of the smartest and most unique experiences of your life. A home could be the best investment you ever make. There are tremendous tax advantages and being able to call your home “your home” is a great feeling. Having the right Lender guide you through the process can make the difference between success and failure in buying your first home.

Loan Pre-Qualification Process

  • Complete the online application process.
  • Sign the credit authorization form.
  • Current pay stub covering the most recent full month.
  • W-2 forms and/or 1099’s for the past two years.
  • Signed Federal Tax returns – Past two years. (all schedules)
  • Bank statements for two months. (all accounts/all pages)
  • Copy of driver’s license.
  • Copy of Social Security card.
John Rainey

John Rainey
NMLS ID#269293

949-637-7754

Latest from our Blog