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1<!DOCTYPE html><html  lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width, initial-scale=1"><title>Mortgage Document Checklist | Los Angeles Mortgage Lender</title><link rel="preconnect" href="https://fonts.gstatic.com/" crossorigin="anonymous"><link rel="preconnect" href="https://backend.leadconnectorhq.com" crossorigin="anonymous"><link rel="preconnect" href="https://images.leadconnectorhq.com" crossorigin="anonymous"><link rel="preconnect" href="https://cdn.filesafe.space" crossorigin="anonymous"><meta name="title" content="Mortgage Document Checklist | Los Angeles Mortgage Lender"><meta property="og:title" content="Mortgage Document Checklist | Los Angeles Mortgage Lender"><meta name="description" content="Explore mortgage document preparation with Los Angeles Mortgage Lender. Ask your loan officer which records are needed for your situation."><meta property="og:description" content="Explore mortgage document preparation with Los Angeles Mortgage Lender. Ask your loan officer which records are needed for your situation."><meta name="author" content="Georges Kfoury"><meta property="og:author" content="Georges Kfoury"><meta name="image" content="https://assets.cdn.filesafe.space/1XUEjY3vhhNjSBkzmKzE/media/672d38079ea9b59f7fde950c.png"><meta property="og:image" content="https://assets.cdn.filesafe.space/1XUEjY3vhhNjSBkzmKzE/media/672d38079ea9b59f7fde950c.png"><meta name="twitter:card" content="summary_large_image"><meta name="twitter:image" content="https://assets.cdn.filesafe.space/1XUEjY3vhhNjSBkzmKzE/media/672d38079ea9b59f7fde950c.png"><meta name="keywords" content="Refinance Cash out, Cash-out Refinance, Home Equity Access"><meta property="og:keywords" content="Refinance Cash out, Cash-out Refinance, Home Equity Access"><meta property="og:type" content="website"><meta property="twitter:type" content="website"><style> 
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56 /* ---- Header styles ----- */  
57 :root{--black:#000000;--transparent:transparent}.hl_page-preview--content .row-Oe60qhXICF,.hl_page-preview--content .section-VBBAweCSJm{padding:0;background-color:var(--transparent);border-color:var(--black);border-width:2px;border-style:solid}.hl_page-preview--content .section-VBBAweCSJm{margin:0}.hl_page-preview--content .row-Oe60qhXICF{margin-top:0;margin-bottom:0;width:100%}.hl_page-preview--content .col-XBOME0jQgX{width:100%}.hl_page-preview--content .col-XBOME0jQgX>.inner{padding:0;background-color:var(--transparent);width:100%;border-color:var(--black);border-width:2px;border-style:solid;margin-top:0;margin-bottom:0}.hl_page-preview--content .custom-code-EnYy7zvqt7{margin:0;width:auto;height:auto}#section-VBBAweCSJm>.inner{max-width:100%}@media (max-width:1024px){#section-VBBAweCSJm{animation:none!important}}.--mobile #row-Oe60qhXICF,.--mobile #section-VBBAweCSJm{animation:none!important}@media (max-width:1024px){#row-Oe60qhXICF{animation:none!important}}#col-XBOME0jQgX>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-XBOME0jQgX{animation:none!important}}.--mobile #col-XBOME0jQgX{animation:none!important} 
58 /* ---- Section styles ----- */ 
59:root{--white:#ffffff;--black:#000000;--transparent:transparent}.hl_page-preview--content .section-eP9LP9HdLc{padding:40px 0 100px;margin-top:0;margin-bottom:0;background-color:var(--white);border-color:var(--black);border-width:2px;border-style:solid}.hl_page-preview--content .col-oTLGOZ01CPn>.inner,.hl_page-preview--content .row-Vkjz3Z-AY6{margin-top:0;margin-bottom:0;padding:15px 0;background-color:var(--transparent);border-color:var(--black);border-width:2px;border-style:solid;width:85%}.hl_page-preview--content .col-oTLGOZ01CPn{width:51.4%}.hl_page-preview--content .col-oTLGOZ01CPn>.inner{padding:10px 5px;width:51.4%}.hl_page-preview--content .csocial-icons-hC5mT3_t3XG{font-family:Inter;font-size:12px;font-weight:500;color:#000;padding:10px;margin:10px 0}.hl_page-preview--content .custom-code-e3uLBFwMf2D{margin:0}#section-eP9LP9HdLc>.inner{max-width:1170px}@media (max-width:1024px){#section-eP9LP9HdLc{animation:none!important}}.--mobile #row-Vkjz3Z-AY6,.--mobile #section-eP9LP9HdLc{animation:none!important}@media (max-width:1024px){#row-Vkjz3Z-AY6{animation:none!important}}#col-oTLGOZ01CPn>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-oTLGOZ01CPn{animation:none!important}}.--mobile #col-oTLGOZ01CPn{animation:none!important}#social-icons-hC5mT3_t3XG .social-media-icon{height:40px;width:40px}#social-icons-hC5mT3_t3XG .social-icons-container{justify-content:center}
60 /* ---- Footer Upper styles ----- */  
61 :root{--montserrat:'Montserrat';--poppins:'Poppins';--white:#ffffff;--black:#000000;
61--transparent:transparent;--color-lzmv6gn1:#A97609}.hl_page-preview--content .row-bqTNgGoFLz,.hl_page-preview--content .section-PAy4_vEUVd{padding:20px 0;margin-top:0;margin-bottom:0;background-color:var(--color-lzmv6gn1);border-color:var(--black);border-width:2px;border-style:solid}.hl_page-preview--content .row-bqTNgGoFLz{padding:15px 0;background-color:var(--transparent);width:100%}.hl_page-preview--content .col-uurZhKH5AV{width:26.1%}.hl_page-preview--content .col-1U4ThdOmwJ>.inner,.hl_page-preview--content .col-LBReE_Jx1T>.inner,.hl_page-preview--content .col-_m0_K2jMr0>.inner,.hl_page-preview--content .col-uurZhKH5AV>.inner{padding:10px 5px;background-color:var(--transparent);width:26.1%;border-color:var(--black);border-width:2px;border-style:solid;margin-top:0;margin-bottom:0}.hl_page-preview--content #paragraph-5VVi8aKWmn,.hl_page-preview--content #paragraph-DAU-utjhiY,.hl_page-preview--content #paragraph-MCo_z5FIh0,.hl_page-preview--content #paragraph-jwXCRYOMmq{margin-top:0;margin-bottom:0}.hl_page-preview--content .cparagraph-jwXCRYOMmq{font-family:var(--montserrat);background-color:var(--transparent);color:var(--white);icon-color:var(--color-l0ratzir);font-weight:400;padding:0;opacity:1;text-shadow:0 0 0 transparent;border-color:var(--black);border-width:2px;border-style:solid;line-height:1.3em;letter-spacing:0;text-align:center}.hl_page-preview--content .col-1U4ThdOmwJ{width:26.1%}.hl_page-preview--content .cparagraph-5VVi8aKWmn{font-family:var(--montserrat);background-color:var(--transparent);color:var(--white);icon-color:var(--color-l0ratzir);font-weight:400;padding:0;opacity:1;text-shadow:0 0 0 transparent;border-color:var(--black);border-width:2px;border-style:solid;line-height:1.3em;letter-spacing:0;text-align:center}.hl_page-preview--content .col-LBReE_Jx1T{width:21.1%}.hl_page-preview--content .col-LBReE_Jx1T>.inner,.hl_page-preview--content .col-_m0_K2jMr0>.inner{width:21.1%}.hl_page-preview--content .cparagraph-DAU-utjhiY{font-family:var(--montserrat);background-color:var(--transparent);color:var(--white);icon-color:var(--color-l0ratzir);font-weight:400;padding:0;opacity:1;text-shadow:0 0 0 transparent;border-color:var(--black);border-width:2px;border-style:solid;line-height:1.3em;text-transform:none;letter-spacing:0;text-align:center}.hl_page-preview--content .col-_m0_K2jMr0{width:25.2%}.hl_page-preview--content .col-_m0_K2jMr0>.inner{width:25.2%}.hl_page-preview--content .cparagraph-MCo_z5FIh0{font-family:var(--contentfont);background-color:var(--transparent);color:var(--white);icon-color:var(--color-l0ratzir);font-weight:400;padding:0;opacity:1;text-shadow:0 0 0 transparent;border-color:var(--black);border-width:2px;border-style:solid;line-height:1.3em;letter-spacing:0;text-align:center}#section-PAy4_vEUVd>.inner{max-width:1170px}@media (max-width:1024px){#section-PAy4_vEUVd{animation:none!important}}.--mobile #row-bqTNgGoFLz,.--mobile #section-PAy4_vEUVd{animation:none!important}@media (max-width:1024px){#row-bqTNgGoFLz{animation:none!important}}#col-uurZhKH5AV>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-uurZhKH5AV{animation:none!important}}.--mobile #col-uurZhKH5AV{animation:none!important}.paragraph-5VVi8aKWmn,.paragraph-DAU-utjhiY,.paragraph-MCo_z5FIh0,.paragraph-jwXCRYOMmq{font-weight:undefined}.paragraph-5VVi8aKWmn strong,.paragraph-jwXCRYOMmq strong{color:var(--white)}.paragraph-5VVi8aKWmn em,.paragraph-5VVi8aKWmn u,.paragraph-DAU-utjhiY em,.paragraph-jwXCRYOMmq em,.paragraph-jwXCRYOMmq u{color:var(--text-color)}.paragraph-5VVi8aKWmn a,.paragraph-5VVi8aKWmn a *,.paragraph-DAU-utjhiY a,.paragraph-DAU-utjhiY a *,.paragraph-jwXCRYOMmq a,.paragraph-jwXCRYOMmq a *{color:var(--white);text-decoration:none}.paragraph-5VVi8aKWmn a u,.paragraph-5VVi8aKWmn a:hover,.paragraph-DAU-utjhiY a u,.paragraph-DAU-utjhiY a:hover,.paragraph-MCo_z5FIh0 a u,.paragraph-MCo_z5FIh0 a:hover,.paragraph-jwXCRYOMmq a u,.paragraph-jwXCRYOMmq a:hover{text-decoration:underline}.paragraph-5VVi8aKWmn a s,.paragraph-DAU-utjhiY a s,.paragraph-MCo_z5FIh0 a s,.paragraph-jwXCRYOMmq a s{text-decoration:line-through}@media screen and (min-width:0px) and (max-width:767px){.paragraph-jwXCRYOMmq h1,.paragraph-jwXCRYOMmq h2,.paragraph-jwXCRYOMmq h3,.paragraph-jwXCRYOMmq h4,.paragraph-jwXCRYOMmq h5,.paragraph-jwXCRYOMmq h6,.paragraph-jwXCRYOMmq ul li,.paragraph-jwXCRYOMmq.text-output{font-size:14px!important;font-weight:undefined}}@media screen and (min-width:768px) and (max-width:10000px){.paragraph-jwXCRYOMmq h1,.paragraph-jwXCRYOMmq h2,.paragraph-jwXCRYOMmq h3,.paragraph-jwXCRYOMmq h4,.paragraph-jwXCRYOMmq h5,.paragraph-jwXCRYOMmq h6,.paragraph-jwXCRYOMmq ul li,.paragraph-jwXCRYOMmq.text-output{font-size:16px!important;font-weight:undefined}}.paragraph-5VVi8aKWmn.text-output h1:first-child:before,.paragraph-5VVi8aKWmn.text-output h2:first-child:before,.paragraph-5VVi8aKWmn.text-output h3:first-child:before,.paragraph-5VVi8aKWmn.text-output h4:first-child:before,.paragraph-5VVi8aKWmn.text-output h5:first-child:before,.paragraph-5VVi8aKWmn.text-output h6:first-child:before,.paragraph-5VVi8aKWmn.text-output p:first-child:before,.paragraph-jwXCRYOMmq.text-output h1:first-child:before,.paragraph-jwXCRYOMmq.text-output h2:first-child:before,.paragraph-jwXCRYOMmq.text-output h3:first-child:before,.paragraph-jwXCRYOMmq.text-output h4:first-child:before,.paragraph-jwXCRYOMmq.text-output h5:first-child:before,.paragraph-jwXCRYOMmq.text-output h6:first-child:before,.paragraph-jwXCRYOMmq.text-output p:first-child:before{color:var(--color-l0ratzir);content:"";font-family:"Font Awesome 5 Brands";font-weight:700;margin-right:5px}#col-1U4ThdOmwJ>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-1U4ThdOmwJ{animation:none!important}}.--mobile #col-1U4ThdOmwJ{animation:none!important}@media screen and (min-width:0px) and (max-width:767px){.paragraph-5VVi8aKWmn h1,.paragraph-5VVi8aKWmn h2,.paragraph-5VVi8aKWmn h3,.paragraph-5VVi8aKWmn h4,.paragraph-5VVi8aKWmn h5,.paragraph-5VVi8aKWmn h6,.paragraph-5VVi8aKWmn ul li,.paragraph-5VVi8aKWmn.text-output{font-size:14px!important;font-weight:undefined}}@media screen and (min-width:768px) and (max-width:10000px){.paragraph-5VVi8aKWmn h1,.paragraph-5VVi8aKWmn h2,.paragraph-5VVi8aKWmn h3,.paragraph-5VVi8aKWmn h4,.paragraph-5VVi8aKWmn h5,.paragraph-5VVi8aKWmn h6,.paragraph-5VVi8aKWmn ul li,.paragraph-5VVi8aKWmn.text-output{font-size:16px!important;font-weight:undefined}}#col-LBReE_Jx1T>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-LBReE_Jx1T{animation:none!important}}.--mobile #col-LBReE_Jx1T{animation:none!important}.paragraph-DAU-utjhiY strong,.paragraph-DAU-utjhiY u,.paragraph-MCo_z5FIh0 strong{color:var(--white)}@media screen and (min-width:0px) and (max-width:767px){.paragraph-DAU-utjhiY h1,.paragraph-DAU-utjhiY h2,.paragraph-DAU-utjhiY h3,.paragraph-DAU-utjhiY h4,.paragraph-DAU-utjhiY h5,.paragraph-DAU-utjhiY h6,.paragraph-DAU-utjhiY ul li,.paragraph-DAU-utjhiY.text-output{font-size:14px!important;font-weight:undefined}}@media screen and (min-width:768px) and (max-width:10000px){.paragraph-DAU-utjhiY h1,.paragraph-DAU-utjhiY h2,.paragraph-DAU-utjhiY h3,.paragraph-DAU-utjhiY h4,.paragraph-DAU-utjhiY h5,.paragraph-DAU-utjhiY h6,.paragraph-DAU-utjhiY ul li,.paragraph-DAU-utjhiY.text-output{font-size:16px!important;font-weight:undefined}}.paragraph-DAU-utjhiY.text-output h1:first-child:before,.paragraph-DAU-utjhiY.text-output h2:first-child:before,.paragraph-DAU-utjhiY.text-output h3:first-child:before,.paragraph-DAU-utjhiY.text-output h4:first-child:before,.paragraph-DAU-utjhiY.text-output h5:first-child:before,.paragraph-DAU-utjhiY.text-output 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62 /* ---- Footer Bottom styles ----- */  
63 :root{--montserrat:'Montserrat';--white:#ffffff;--black:#000000;
63--transparent:transparent;--color-m08ckvzm:#367d03}.hl_page-preview--content .section-B4inq3eJp{padding:0;margin-top:0;margin-bottom:0;background-color:var(--color-m08ckvzm);border-color:var(--black);border-width:2px;border-style:solid}@media screen and (min-width:0px) and (max-width:767px){.hl_page-preview--content .section-B4inq3eJp{padding-top:0}}.hl_page-preview--content .col-B3if6woG0z>.inner,.hl_page-preview--content .row-Lbt3INimt6{margin-top:0;margin-bottom:0;padding:5px 0;background-color:var(--transparent);border-color:var(--black);border-width:2px;border-style:solid;width:100%}.hl_page-preview--content .col-B3if6woG0z{width:100%}.hl_page-preview--content .col-B3if6woG0z>.inner{padding:0 5px}.hl_page-preview--content #sub-heading-JRlNrrVrfQ{margin-top:10px;margin-bottom:0}.hl_page-preview--content .csub-heading-JRlNrrVrfQ{font-family:var(--headlinefont);background-color:var(--transparent);color:var(--white);icon-color:var(--text-color);font-weight:400;padding:0;opacity:1;text-shadow:0 0 0 transparent;border-color:var(--black);border-width:2px;border-style:solid;line-height:1.3em;letter-spacing:0;text-align:center}.hl_page-preview--content .custom-code-pf3hAsDTE_{margin:0}.hl_page-preview--content .custom-code-4tK10o4WUU{margin:0;width:auto;height:auto}.hl_page-preview--content .image-e_eLVTTkF-{margin-top:0;margin-bottom:0}.hl_page-preview--content .image-e_eLVTTkF- .image-container img{box-shadow:undefined;width:150px}.hl_page-preview--content .cimage-e_eLVTTkF-{padding:0;background-color:var(--transparent);opacity:1;text-align:center}#section-B4inq3eJp>.inner{max-width:1170px}@media (max-width:1024px){#section-B4inq3eJp{animation:none!important}}.--mobile #row-Lbt3INimt6,.--mobile #section-B4inq3eJp{animation:none!important}@media (max-width:1024px){#row-Lbt3INimt6{animation:none!important}}#col-B3if6woG0z>.inner{flex-direction:column;justify-content:center;align-items:inherit;flex-wrap:nowrap}@media (max-width:1024px){#col-B3if6woG0z{animation:none!important}}.--mobile #col-B3if6woG0z{animation:none!important}.sub-heading-JRlNrrVrfQ{font-weight:undefined}.sub-heading-JRlNrrVrfQ em,.sub-heading-JRlNrrVrfQ strong,.sub-heading-JRlNrrVrfQ u{color:var(--text-color)}.sub-heading-JRlNrrVrfQ a,.sub-heading-JRlNrrVrfQ a *{color:var(--link-color);text-decoration:none}.sub-heading-JRlNrrVrfQ a u,.sub-heading-JRlNrrVrfQ a:hover{text-decoration:underline}.sub-heading-JRlNrrVrfQ a s{text-decoration:line-through}@media screen and (min-width:0px) and (max-width:767px){.sub-heading-JRlNrrVrfQ h1,.sub-heading-JRlNrrVrfQ h2,.sub-heading-JRlNrrVrfQ h3,.sub-heading-JRlNrrVrfQ h4,.sub-heading-JRlNrrVrfQ h5,.sub-heading-JRlNrrVrfQ h6,.sub-heading-JRlNrrVrfQ ul li,.sub-heading-JRlNrrVrfQ.text-output{font-size:16px!important;font-weight:undefined}}@media screen and (min-width:768px) and (max-width:10000px){.sub-heading-JRlNrrVrfQ h1,.sub-heading-JRlNrrVrfQ h2,.sub-heading-JRlNrrVrfQ h3,.sub-heading-JRlNrrVrfQ h4,.sub-heading-JRlNrrVrfQ h5,.sub-heading-JRlNrrVrfQ h6,.sub-heading-JRlNrrVrfQ ul li,.sub-heading-JRlNrrVrfQ.text-output{font-size:18px!important;font-weight:undefined}}.sub-heading-JRlNrrVrfQ.text-output h1:first-child:before,.sub-heading-JRlNrrVrfQ.text-output h2:first-child:before,.sub-heading-JRlNrrVrfQ.text-output h3:first-child:before,.sub-heading-JRlNrrVrfQ.text-output h4:first-child:before,.sub-heading-JRlNrrVrfQ.text-output h5:first-child:before,.sub-heading-JRlNrrVrfQ.text-output h6:first-child:before,.sub-heading-JRlNrrVrfQ.text-output p:first-child:before{color:var(--text-color);content:'\';
64    font-family: '';font-weight:700;margin-right:5px}
65
66@media (max-width: 1024px) {
67  #section-g-pcFv_iK,
68  #row-35Yx_5PwF5,
69  #col-xc0hdhI5pJ,
70  #section-mVchurjHB4,
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86  #row-Lbt3INimt6,
87  #col-B3if6woG0z {
88    animation: none !important;
89  }
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91<!--]--></ul><!----><!----></div></div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="section-mVchurjHB4" data-animation-class data-entrance-clip="1" style="" class="fullSection none noBorder radius0 none c-section c-wrapper section-mVchurjHB4 mobile-only tablet-hide"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="row-6LUXLiP0wL" data-animation-class data-entrance-clip="1" style="" class="row-align-center none noBorder radius0 none c-row c-wrapper row-6LUXLiP0wL mobile-only tablet-hide"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="col-MAeKDBHt26" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-MAeKDBHt26 mobile-only tablet-hide"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="nav-menu-eA8H7C9hB_" data-animation-class style="" class="c-nav-menu c-wrapper nav-menu-eA8H7C9hB_ desktop-only mobile-only tablet-hide"><!----><!----><!----><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><div class="default nav-menu-wrapper cnav-menu-eA8H7C9hB_ noBorder radius0 none"><div class="branding"><div class="logo"><div style="cursor:pointer;" class="image-container noBorder radius0 none"><div><a style="" href="https://losangelesmortgagelender.loans/" target="_self" aria-label="https://losangelesmortgagelender.loans/" data-animation-class=""><picture class="hl-image-picture" style="display:block;"><source media="(max-width:900px) and (min-width: 768px)" srcset="https://images.leadconnectorhq.com/image/f_webp/q_80/r_900/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png"><source media="(max-width:768px) and (min-width: 640px)" srcset="https://images.leadconnectorhq.com/image/f_webp/q_80/r_768/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png"><source media="(max-width:640px) and (min-width: 480px)" srcset="https://images.leadconnectorhq.com/image/f_webp/q_80/r_640/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png"><source media="(max-width:480px) and (min-width: 320px)" srcset="https://images.leadconnectorhq.com/image/f_webp/q_80/r_768/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png"><source media="(max-width:320px)" srcset="https://images.leadconnectorhq.com/image/f_webp/q_80/r_320/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png"><img src="https://images.leadconnectorhq.com/image/f_webp/q_80/r_1200/u_https://assets.cdn.filesafe.space/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png" alt="Los Angeles Mortgage Lender Logo" style="width:200
91px !important;object-fit:unset;" class="noBorder radius0 none hl-optimized mw-100" loading="lazy" fetchpriority="auto" data-animation-class=""></picture></a></div></div></div><div class="title"><div class="nav-menu-eA8H7C9hB_-heading text-output noBorder radius0 none"><p></p></div></div></div><div class="cart-nav-wrapper"><div class="nav-menu-mobile"><span class="menu-icon" role="button" tabindex="0" aria-label="Toggle menu"></span></div><ul class="nav-menu"><!--[--><li class="nav-menu-item"><a aria-label="Home purchase" href="https://losangelesmortgagelender.loans/i-am-buying" target>Home purchase</a><!----></li><li class="nav-menu-item"><a aria-label="Refinance" href="https://losangelesmortgagelender.loans/refinance" target>Refinance</a><!----></li><li class="nav-menu-item"><a aria-label="Contact Us" href="https://losangelesmortgagelender.loans/contact-us" target>Contact Us</a><!----></li><li class="nav-menu-item"><a href="https://o1nemortgage.com/blog/" aria-label="Learning" target="_blank" rel="noreferrer noopener">Learning</a><!----></li><li class="nav-menu-item"><a aria-label="Borrower Portal" href="https://losangelesmortgagelender.loans/borrower-portal" target>Borrower Portal</a><!----></li><!--]--></ul><!----><!----></div></div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="section-VBBAweCSJm" data-animation-class data-entrance-clip="1" style="" class="fullSection none noBorder radius0 none c-section c-wrapper section-VBBAweCSJm"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="row-Oe60qhXICF" data-animation-class data-entrance-clip="1" style="" class="row-align-center none noBorder radius0 none c-row c-wrapper row-Oe60qhXICF"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="col-XBOME0jQgX" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-XBOME0jQgX"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="custom-code-EnYy7zvqt7" data-animation-class style="" class="c-custom-code c-wrapper custom-code-EnYy7zvqt7"><!----><!----><!----><!----><!----><!----><!----><span></span><div id="custom-code-EnYy7zvqt7__custom-code" class="custom-code-container ccustom-code-EnYy7zvqt7"><header class="laml-header" role="banner" aria-label="Main header">
92  <style>
93    :root{ --brand:#367d03; --brand-d:#2f6e03; --ink:#111827; --paper:#fff; }
94
95    .laml-header{
96      position:sticky; top:0; z-index:1000; width:100%;
97      background:#fff; border:none; box-shadow:none;
98      backdrop-filter:blur(8px);
99    }
100    .laml-header::after{
101      content:""; position:absolute; left:0; right:0; bottom:0; height:14px;
102      pointer-events:none;
103      background:linear-gradient(to bottom, rgba(0,0,0,.10), rgba(0,0,0,0));
104    }
105
106    .laml-wrap{
107      width:100%; max-width:1440px; margin:0 auto;
108      padding:14px 0 24px 28px; /* bottom padding gives ~10px gap under logo/menu */
109      display:flex; align-items:flex-start; gap:24px;
110    }
111
112    /* LOGO */
113    .laml-logo{display:block; width:175px; min-width:175px;}
114    .laml-logo img{
115      width:175px; height:100px; object-fit:contain; display:block;
116    }
117
118    .laml-right{flex:1; display:flex; flex-direction:column; height:100px;}
119
120    /* Top row: Borrower Portal */
121    .top-row{display:flex; justify-content:flex-end; align-items:flex-start; min-height:48px;}
122    .cta{
123      text-decoration:none; color:#fff; background:var(--brand);
124      padding:12px 20px; border:2px solid var(--brand); border-radius:9999px;
125      font:700 16px/1 system-ui; transition:transform .18s ease, background .18s ease;
126    }
127    .cta:hover{ background:var(--brand-d); transform:translateY(-1px); }
128
129    /* Bottom row: main nav */
130    .bottom-row{margin-top:auto; display:flex; justify-content:flex-end; align-items:flex-end;}
131    .laml-nav{display:flex; align-items:center; justify-content:flex-end; gap:14px; width:100%;}
132    .nav-list{list-style:none; display:flex; gap:6px; margin:0; padding:0; white-space:nowrap; flex-wrap:nowrap;}
133    .nav-link{
134      position:relative; display:inline-flex; align-items:center; gap:8px;
135      padding:14px 18px; border-radius:9999px; text-decoration:none; color:var(--ink);
136      font:600 17px/1 system-ui,-apple-system,Segoe UI,Roboto,Arial;
137      transition:transform .18s ease, background .18s ease, color .18s ease;
138    }
139    .nav-link:hover{ background:#eaf6e2; color:var(--brand); transform:translateY(-1px); }
140
141    /* Mega dropdown */
142    .has-mega{position:relative;}
143    .mega{
144      position:absolute; left:0; top:100%; margin-top:12px; min-width:680px; background:var(--paper);
145      border:none; border-radius:16px;
146      box-shadow:0 16px 44px rgba(54,125,3,.16);
147      padding:20px; display:none;
148    }
149    .has-mega.open .mega{display:block; animation:fadeUp .2s ease both;}
150    @keyframes fadeUp{from{opacity:0; transform:translateY(6px)} to{opacity:1; transform:translateY(0)}}
151    .mega-grid{display:grid; grid-template-columns:1.2fr 1fr; gap:18px;}
152    .mega-msg h4{margin:0 0 6px; color:var(--brand); font:800 18px/1.2 system-ui;}
153    .mega-msg p{margin:0; color:#475569; font:400 15px/1.55 system-ui;}
154    .mega-links{display:grid; gap:10px;}
155    .mega-a{
156      display:flex; align-items:center; justify-content:space-between; gap:12px;
157      padding:12px; border-radius:12px; text-decoration:none; color:var(--ink);
158      background:#f7fbf5; transition:.18s ease;
159    }
160    .mega-a:hover{ background:#eaf6e2; transform:translateY(-1px); }
161    .tag{font:700 12px/1 system-ui; color:#2f6e03; background:#eaf6e2; padding:5px 10px; border-radius:9999px;}
162
163    /* Mobile */
164    .hamb{display:none; margin-left:8px; background:transparent; border:0; padding:10px; border-radius:10px;}
165    .bar{display:block; width:26px; height:2px; background:var(--ink); border-radius:2px; margin:5px 0;}
166    @media (max-width:1380px){
167      .laml-wrap{padding:10px 12px 20px;}
168      .laml-logo{width:120px; min-width:120px;}
169      .laml-logo img{width:120px; height:120px;}
170      .laml-right{height:auto;}
171      .top-row{justify-content:flex-end;}
172      .bottom-row{margin-top:8px; justify-content:stretch;}
173      .hamb{display:inline-block;}
174      .laml-nav{
175        display:none; position:fixed; left:0; right:0; top:70px;
176        background:#fff; border:none; border-radius:16px 16px 0 0;
177        padding:12px; box-shadow:0 18px 36px rgba(54,125,3,.15);
178      }
179      .laml-nav.open{display:block; animation:fadeUp .24s ease both;}
180      .nav-list{flex-direction:column; gap:8px; white-space:normal; flex-wrap:wrap;}
181      .nav-link, .cta{display:block; text-align:center;}
182      .mega{position:static; display:none; margin:8px 0 0; min-width:unset; box-shadow:none; border-radius:12px; padding:8px 0;}
183      .has-mega.open .mega{display:block;}
184      .mega-grid{grid-template-columns:1fr; gap:10px;}
185    }
186    .laml-header a:focus-visible,.laml-header button:focus-visible{outline:3px solid #1257a6;outline-offset:3px;}
187    @media(max-width:1380px){.laml-header .laml-wrap{gap:12px;}.laml-header .laml-nav{max-height:calc(100dvh - 80px);overflow-y:auto;}.laml-header .cta{font-size:14px;padding:12px;}.laml-header .laml-right{min-width:0;}}
188  </style>
189
190  <div class="laml-wrap">
191    <!-- Logo -->
192    <a class="laml-logo" href="https://losangelesmortgagelender.loans" aria-label="Go to homepage">
193      <img src="https://storage.googleapis.com/msgsndr/aEeWt3zOCQcZVtePTT7C/media/68f05faf5fb84e87e47b4924.png" alt="Los Angeles Mortgage Lender Logo">
194    </a>
195
196    <div class="laml-right">
197      <!-- Top row -->
198      <div class="top-row">
199        <a class="cta" href="https://losangelesmortgagelender.loans/borrower-portal">Borrower Portal</a>
200        <button class="hamb" aria-label="Toggle menu" type="button" aria-controls="laml-main-nav" aria-expanded="false">
201          <span class="bar"></span><span class="bar"></span><span class="bar"></span>
202        </button>
203      </div>
204
205      <!-- Bottom row -->
206      <div class="bottom-row">
207        <nav class="laml-nav" id="laml-main-nav" role="navigation" aria-label="Main navigation">
208          <ul class="nav-list">
209            <li><a class="nav-link" href="https://losangelesmortgagelender.loans">Home</a></li>
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286  </style>
287</head>
288<body>
289<section id="la-document-prep" aria-labelledby="la-prep-title">
290  <h1 id="la-prep-title">Mortgage Document Preparation Checklist for Los Angeles, CA</h1>
291  <p>Plan what to gather before discussing a purchase or refinance with your loan officer. Select all income sources you want considered, including more than one if applicable.</p>
292  <div class="prep-note"><strong>A starting point, not final requirements.</strong> This educational checklist is not a loan application, pre-approval or eligibility decision. Your lender determines the documents needed for your loan, stage and circumstances. Alternative-documentation and streamlined programs may use different requirements.</div>
293  <h2>Choose your situation</h2>
294  <div class="prep-grid">
295    <div><label for="la-prep-purpose">Financing purpose</label><select id="la-prep-purpose"><option value="purchase">Purchase</option><option value="refinance">Refinance</option></select></div>
296    <div><label for="la-prep-stage">Where are you in the process?</label><select id="la-prep-stage"><option value="preparing">Exploring or preparing to apply</option><option value="active">Under contract or loan already in progress</option></select></div>
297    <div><label for="la-prep-properties">Properties you currently own</label><select id="la-prep-properties"><option value="none">None</option><option value="home">My home only</option><option value="investment">Investment properties only</option><option value="both">My home and investment properties</option><option value="unsure">Not sure / another ownership situation</option></select></div>
298    <div id="la-prep-sale-group"><label for="la-prep-sale">Will a property sale help fund the purchase?</label><select id="la-prep-sale"><option value="no">No</option><option value="own">Yes, a property I own</option><option value="coborrower">Yes, a co-borrower's property</option><option value="gift">Possibly, as a gift from someone else's sale</option><option value="unsure">Not sure yet</option></select></div>
299    <div><label for="la-prep-va">Are you considering VA financing?</label><select id="la-prep-va"><option value="no">No</option><option value="yes">Yes</option><option value="unsure">Not sure / want to discuss</option></select></div>
300    <div><label for="la-prep-docs">Documentation approach</label><select id="la-prep-docs"><option value="standard">Standard income documentation</option><option value="alternative">Ask about alternative documentation</option><option value="unsure">Not sure yet</option></select></div>
301  </div>
302  <fieldset><legend>Income sources to discuss — select all that apply</legend>
303    <div class="prep-income">
304      <label><input type="checkbox" name="la-prep-income" value="wages">Employment / W-2 wages</label>
305      <label><input type="checkbox" name="la-prep-income" value="self">Self-employment / 1099 work</label>
306      <label><input type="checkbox" name="la-prep-income" value="social">Social Security benefits</label>
307      <label><input type="checkbox" name="la-prep-income" value="pension">Pension / retirement distributions</label>
308      <label><input type="checkbox" name="la-prep-income" value="rental">Rental income</label>
309      <label><input type="checkbox" name="la-prep-income" value="investment">Interest / dividends / investments</label>
310      <label><input type="checkbox" name="la-prep-income" value="other">Other income to discuss privately</label>
311    </div>
312    <p>VA interest does not replace your income selection. You do not need to provide income amounts here.</p>
313  </fieldset>
314  <p><strong>Keep sensitive documents private.</strong> Do not enter or send Social Security numbers, bank details, identification documents or financial records through this tool, ordinary email, text or website chat. Ask your loan officer for the approved secure submission method.</p>
315  <button type="button" id="la-prep-generate">Generate preparation checklist</button><button type="button" id="la-prep-reset" class="prep-reset">Reset selections</button>
316  <div id="la-prep-result" class="prep-results" role="status" aria-live="polite" aria-atomic="true"><p>Select your situation, then generate your preparation checklist.</p></div>
317  <h2>Need help preparing?</h2>
318  <p>Your loan officer can confirm which items apply and the time periods needed. This tool does not upload documents or submit a loan inquiry.</p>
319  <a class="prep-help" href="tel:+12135101717">Call (213) 510-1717</a>
320  <p>Preparation references: <a href="https://www.consumerfinance.gov/owning-a-home/prepare/create-a-loan-application-packet/">CFPB loan application packet</a> · <a href="https://www.va.gov/housing-assistance/home-loans/eligibility/">VA home loan eligibility</a>.</p>
321</section>
322<script>
323function buildLAPreparationChecklist(a) {
324  const sections = [];
325  const add = (heading, items) => sections.push({heading, items});
326  add('Before sharing any documents', [
327    'Confirm your loan program, application stage, requested document periods and secure delivery method with your loan officer. This list is illustrative, not a complete or mandatory lender checklist.',
328    'Have current identification available. Provide identity or Social Security information only when requested through an approved secure application process.',
329    'Gather recent account statements showing funds you plan to use; two recent months are a common starting point, but your lender may request a different period. Include every page when requested.'
330  ]);
331  if (a.purpose === 'purchase') {
332    const items = ['Prepare information about the source of your down payment and closing funds. Ask how gifts, transfers or sale proceeds should be documented.'];
333    if (a.stage === 'active') items.push('Have your signed purchase agreement and any amendments available if you are under contract. If an earnest-money deposit has been paid, retain the receipt and evidence of its source and payment.');
334    else items.push('If you are still shopping, a signed purchase contract or paid escrow deposit may not exist yet. Ask which items can wait until you are under contract.');
335    if (a.sale === 'own' && a.properties === 'none') items.push('You selected no currently owned property and proceeds from your own sale. Clarify whether the sale already closed or whether another person owns the property; your loan officer can identify the appropriate evidence.');
336    else if (a.sale === 'own') items.push('For a property you are selling, ask about the sales contract, estimated net-proceeds statement before closing, final settlement statement after closing and evidence of received funds, as applicable.');
337    else if (a.sale === 'coborrower') items.push("Discuss the co-borrower's property sale and ownership with your loan officer. Ask which sale, net-proceeds and transfer records are needed for the funds being used.");
338    else if (a.sale === 'gift') items.push("Do not treat another person's sale as your own sale proceeds. Ask whether the proposed gift is acceptable and what gift and transfer documentation the loan program requires.");
339    else if (a.sale === 'unsure') items.push('Discuss your planned funding sources before assuming a future property sale will cover funds needed at closing.');
340    add('Purchase preparation', items);
341  } else {
342    const items = ['Have the current mortgage statement, property-tax information and insurance information for the property being refinanced available, as applicable.', 'Ask your loan officer which refinance program and documentation path apply; cash-out, rate-and-term and streamlined refinance programs may differ.'];
343    if (a.properties === 'none') items.push('You selected refinance and no currently owned property. Clarify your ownership or co-borrower situation with your loan officer before relying on this list.');
344    add('Refinance preparation', items);
345  }
346  if (a.properties !== 'none') {
347    const items = ['Gather a list of properties you own and related mortgage, property-tax, insurance and association-dues information, where applicable. Ask which records your lender needs.'];
348    if (['investment','both'].includes(a.properties)) items.push('Have lease or rental documentation available for investment properties when requested. Owning a rental property does not automatically mean its income can be used to qualify.');
349    if (a.properties === 'unsure') items.push('Explain joint, trust, inherited or other ownership arrangements privately to your loan officer so the document request fits your situation.');
350    add('Existing property information', items);
351  }
352  const income = [];
353  const rules = {
354    wages: 'Employment income: recent pay statements and W-2 forms are common starting documents. Ask whether the last 30 days of pay and two years of W-2s are appropriate for your program and employment history.',
355    self: 'Self-employment or 1099 income: discuss your business structure and income history. Personal tax returns, business returns when applicable, 1099s, a current profit-and-loss statement or account statements may be requested; confirm which items and periods apply.',
356    social: 'Social Security income you want considered: have a current benef
356it or award statement and evidence of receipt available if requested. Ask whether additional tax forms are needed for your situation.',
357    pension: 'Pension or retirement distributions you want considered: have the relevant benefit statement or distribution records and evidence of receipt available if requested. Do not assume every retiree receives both pension and Social Security income.',
358    rental: 'Rental income you want considered: ask about leases, tax returns, property expenses and other evidence appropriate to the property and loan program. Do not assume all gross rent will count as qualifying income.',
359    investment: 'Investment income you want considered: discuss relevant account statements, interest/dividend records, tax documents and income history with your loan officer. Asset-based qualification may require a different review.',
360    other: 'Other income: describe the source privately to your loan officer and ask what evidence, if any, is appropriate. Do not submit sensitive details through this tool.'
361  };
362  for (const key of a.incomes) if (rules[key]) income.push(rules[key]);
363  if (!income.length) income.push('No income source selected. Ask your loan officer how your income or assets will be reviewed; this tool cannot determine qualification.');
364  add('Selected income sources', income);
365  if (a.docs === 'alternative') add('Alternative documentation — confirm before collecting', ['Program availability and eligibility require loan-officer and lender confirmation. Bank statements or other documents do not automatically replace wage or tax records.', 'Ask which personal or business statements, income analyses and supporting records apply, and the exact periods required. Do not assume a universal 12-month period or mandatory CPA letter. The income items above are discussion prompts, not a prescribed alternative-documentation package.']);
366  else if (a.docs === 'unsure') add('Choose the documentation path with your loan officer', ['Discuss your income sources before choosing standard or alternative documentation. The available program determines the final request.']);
367  if (a.va !== 'no') {
368    const items = ['Discuss VA eligibility separately from income documentation. A Certificate of Eligibility addresses service history; financing also depends on applicable credit, income and occupancy requirements.', 'Ask for help obtaining the COE and which service records apply to you. Depending on your status, a DD-214 or statement of service may be relevant; do not assume everyone needs the same document.'];
369    if (a.purpose === 'refinance') items.push('Ask whether this is a VA cash-out refinance or an Interest Rate Reduction Refinance Loan (IRRRL). Do not assume the same appraisal, income or document requirements apply to both.');
370    add('VA financing discussion', items);
371  }
372  add('Confirm before applying', ['Ask your loan officer to review this preparation list and provide the actual document request. Requirements may change with your program, lender, property and circumstances. Keep sensitive records in the approved secure channel.']);
373  return sections;
374}
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396</div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="social-icons-hC5mT3_t3XG" data-animation-class style="" class="c-social-icons c-wrapper social-icons-hC5mT3_t3XG"><!----><!----><!----><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><div class="csocial-icons-hC5mT3_t3XG"><div class="social-icons-container"><!--[--><a class="p-3 social-icon" href="https://www.facebook.com/profile.php?id=61564134713543" aria-label="Facebook" target="_blank" rel="noreferrer noopener "><img src="https://stcdn.leadconnectorhq.com/funnel/icons/square/facebook-square.svg" alt="social media icon" class="social-media-icon"><p>Facebook</p></a><a class="p-3 social-icon" href="https://www.instagram.com/losangeles.mortgagelender/" aria-label="Instagram" target="_blank" rel="noreferrer noopener "><img src="https://stcdn.leadconnectorhq.com/funnel/icons/square/instagram-square.svg" alt="social media icon" class="social-media-icon"><p>Instagram</p></a><a class="p-3 social-icon" href="https://www.youtube.com/@LosAngelesMortgageCompany" aria-label="Youtube" target="_blank" rel="noreferrer noopener "><img src="https://stcdn.leadconnectorhq.com/funnel/icons/square/youtube-square.svg" alt="social media icon" class="social-media-icon"><p>Youtube</p></a><!--]--></div></div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="section-PAy4_vEUVd" data-animation-class data-entrance-clip="1" style="" class="fullSection none noBorder radius0 none c-section c-wrapper section-PAy4_vEUVd"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="row-bqTNgGoFLz" data-animation-class data-entrance-clip="1" style="" class="row-align-center none noBorder radius0 none c-row c-wrapper row-bqTNgGoFLz"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="col-_m0_K2jMr0" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-_m0_K2jMr0"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="paragraph-MCo_z5FIh0" data-animation-class style="" class="c-paragraph c-wrapper"><!----><!----><!----><div class="paragraph-MCo_z5FIh0 text-output cparagraph-MCo_z5FIh0 none noBorder radius0 none" data-animation-class style=""><div><p><strong>Office:</strong><br>453 S. Spring Street, Suite 400,</p><p>Los Angeles, California 90013</p></div></div><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="col-LBReE_Jx1T" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-LBReE_Jx1T"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="paragraph-DAU-utjhiY" data-animation-class style="" class="c-paragraph c-wrapper"><!----><!----><!----><div class="paragraph-DAU-utjhiY text-output cparagraph-DAU-utjhiY none noBorder radius0 none" data-animation-class style=""><div><p><strong>Call</strong></p><p><u>+1(213) 510-1717</u></p></div></div><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="col-1U4ThdOmwJ" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-1U4ThdOmwJ"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="paragraph-5VVi8aKWmn" data-animation-class style="" class="c-paragraph c-wrapper"><!----><!----><!----><div class="paragraph-5VVi8aKWmn text-output cparagraph-5VVi8aKWmn none noBorder radius0 none" data-animation-class style=""><div><p><a target="_self" rel="noopener noreferrer" href="https://losangelesmortgagelender.loans/privacy">Privacy Policy</a></p></div></div><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="col-uurZhKH5AV" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-uurZhKH5AV"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="paragraph-jwXCRYOMmq" data-animation-class style="" class="c-paragraph c-wrapper"><!----><!----><!----><div class="paragraph-jwXCRYOMmq text-output cparagraph-jwXCRYOMmq none noBorder radius0 none" data-animation-class style=""><div><p><a target="_self" rel="noopener noreferrer" href="https://losangelesmortgagelender.loans/terms-of-service">Terms of Services</a></p></div></div><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="section-B4inq3eJp" data-animation-class data-entrance-clip="1" style="" class="fullSection none noBorder radius0 none c-section c-wrapper section-B4inq3eJp"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="row-Lbt3INimt6" data-animation-class data-entrance-clip="1" style="" class="row-align-center none noBorder radius0 none c-row c-wrapper row-Lbt3INimt6"><!----><!----><div class="inner"><!----><!--[--><!--[--><div id="col-B3if6woG0z" data-animation-class data-entrance-clip="1" style="" class="c-column c-wrapper col-B3if6woG0z"><!----><!----><div class="none noBorder radius0 none bg bgCover vertical inner"><!----><!--[--><!--[--><div id="image-e_eLVTTkF-" data-animation-class style="" class="c-image c-wrapper image-e_eLVTTkF-"><!----><!----><!----><!----><!----><div style="cursor:pointer;" class="image-container cimage-e_eLVTTkF-"><div><a style="" href="https://losangelesmortgagelender.loans" target="_self" aria-label="https://losangelesmortgagelender.loans" data-animation-class=""><img class="hl-un-optimized mw-100 img-none img-border-none img-shadow-none img-effects-none" src="https://services.leadconnectorhq.com/documents/download/U9NzpLNtMstb1recMkJc" alt="Los Angeles Mortgage Lender Logo" style="" loading="lazy" fetchpriority="auto" data-animation-class></a></div></div><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="custom-code-4tK10o4WUU" data-animation-class style="" class="c-custom-code c-wrapper custom-code-4tK10o4WUU"><!----><!----><!----><!----><!----><!----><!----><span></span><div id="custom-code-4tK10o4WUU__custom-code" class="custom-code-container ccustom-code-4tK10o4WUU"><div style="font-family:Arial,sans-serif;font-size:16px;line-height:1.7;color:#173b28;background:#fff;padding:20px;border-radius:10px;overflow-wrap:anywhere;">
397<h3 style="font-size:18px;font-weight:bold;line-height:1.4;margin:0 0 16px;">Mortgage information and important limitations</h3>
398<p>Information on this website is general educational information. It is not a loan approval, commitment to lend, personalized rate quote or guarantee of savings. Available financing and final loan terms depend on the lender, program, applicant and property, and are subject to verification and applicable underwriting requirements.</p>
399<p>Loan programs and requirements can change. Down-payment assistance, when available, has separate eligibility and funding conditions and may involve a second loan or repayment obligation. A low- or no-down-payment option does not necessarily eliminate closing costs or other required funds.</p>
400<p>Calculator results are estimates based on the information and assumptions shown, not offers of credit. Actual rates, APR, fees, payments and savings may differ. Review each tool's stated inclusions and exclusions and obtain the applicable loan disclosures before making a financing decision. A lower monthly payment does not necessarily mean a lower total borrowing cost.</p>
401<p>A mortgage or home-equity loan is secured by your property. Failure to meet its terms can put your home at risk. O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender, is not a government agency and is not endorsed by VA, FHA, USDA or 
401CalHFA.</p>
402<section aria-label="Business identity and contact" style="background:#fff;color:#173b28;padding:16px;border-radius:10px;font-size:16px;line-height:1.7;overflow-wrap:anywhere;"><p><strong>O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender</strong><br>Real Estate Broker — California Department of Real Estate<br>California DRE #02103625 · Corporate NMLS #1906814<br>Los Angeles Mortgage Lender — DBA NMLS #2530594<br>Loan officer: Georges Kfoury · California DRE #01386688 · NMLS #365129<br>Equal Housing Lender.</p><p>453 S. Spring Street, Suite 400, Los Angeles, CA 90013<br><strong>Office visits by confirmed appointment only. No walk-ins.</strong></p><p>Phone: <a style="color:#173b28;text-decoration:underline;" href="tel:+12135101717">(213) 510-1717</a><br>Email: <a style="color:#173b28;text-decoration:underline;" href="/cdn-cgi/l/email-protection#b3d4d6dcc1d4d6f3dfdcc0d2ddd4d6dfd6c0dedcc1c7d4d2d4d6dfd6ddd7d6c19ddfdcd2ddc0"><span class="__cf_email__" data-cfemail="ff989a908d989abf93908c9e91989a939a8c92908d8b989e989a939a919b9a8dd193909e918c">[email&#160;protected]</span></a><br>Staffed phone hours: Monday–Friday, 9 AM–5 PM Pacific.</p></section>
403</div></div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="custom-code-pf3hAsDTE_" data-animation-class style="" class="c-custom-code c-wrapper custom-code-pf3hAsDTE_"><!----><!----><!----><!----><!----><!----><!----><span></span><div id="custom-code-pf3hAsDTE___custom-code" class="custom-code-container ccustom-code-pf3hAsDTE_"><!-- Legacy duplicate chat removed; website-level chat retained. --></div><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--[--><div id="sub-heading-JRlNrrVrfQ" data-animation-class style="" class="c-sub-heading c-wrapper"><!----><!----><!----><div class="sub-heading-JRlNrrVrfQ text-output csub-heading-JRlNrrVrfQ none noBorder radius0 none" data-animation-class style=""><div><h2>Copyright 2022 . All rights reserved</h2></div></div><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div><!----><!----><!----><!----><span></span><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----><!----></div><!--]--><!--]--></div></div><!----><div><!--[--><div>
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preserve the shared LA header. *\u002F\n    #section-g-pcFv_iK,#section-mVchurjHB4 {display:none!important}\n    #la-document-prep {box-sizing:border-box;max-width:900px;margin:20px auto;padding:24px;background:#fff;color:#263229;border-radius:8px;box-shadow:0 4px 8px rgba(0,0,0,.12);font-family:Arial,sans-serif;line-height:1.6}\n    #la-document-prep *,#la-document-prep *::before,#la-document-prep *::after {box-sizing:border-box}\n    #la-document-prep h1,#la-document-prep h2 {line-height:1.25;color:#243b20}\n    #la-document-prep h1 {font-size:clamp(1.6rem,4vw,2rem)}\n    #la-document-prep h2 {font-size:1.3rem}\n    #la-document-prep .prep-note {padding:14px 16px;background:#f0f6ed;border-left:4px solid #367d03;margin:18px 0}\n    #la-document-prep .prep-grid {display:grid;grid-template-columns:1fr 1fr;gap:18px}\n    #la-document-prep label {display:block;font-weight:600;margin-bottom:6px}\n    #la-document-prep select {display:block;width:100%;max-width:100%;min-height:44px;padding:10px;border:1px solid #778674;border-radius:5px;background:white;color:#263229;font:inherit}\n    #la-document-prep fieldset {min-width:0;border:1px solid #bcc9b8;padding:16px;border-radius:6px;margin:20px 0}\n    #la-document-prep legend {font-weight:700;padding:0 6px}\n    #la-document-prep .prep-income {display:grid;grid-template-columns:1fr 1fr;gap:6px 18px}\n    #la-document-prep .prep-income label {display:flex;gap:10px;align-items:flex-start;min-height:44px;padding:7px 0;margin:0;font-weight:400;cursor:pointer}\n    #la-document-prep input[type=\"checkbox\"] {flex:0 0 20px;width:20px;height:20px;margin-top:3px;accent-color:#367d03}\n    #la-document-prep button,#la-document-prep .prep-help {display:inline-block;background:#367d03;color:#fff;border:2px solid #367d03;border-radius:5px;padding:12px 18px;min-height:46px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;margin:6px 8px 6px 0;max-width:100%}\n    #la-document-prep button.prep-reset {color:#2b6202;background:#fff}\n    #la-document-prep :is(button,a,select,input):focus-visible {outline:3px solid #1769aa;outline-offset:3px}\n    #la-document-prep .prep-results {margin-top:18px;padding:18px;border:1px solid #bcc9b8;border-radius:6px;overflow-wrap:anywhere}\n    #la-document-prep .prep-results h3 {font-size:1.1rem;margin-bottom:6px}\n    #la-document-prep .prep-results ul {padding-left:22px}\n    #la-document-prep .prep-results li {margin:8px 0}\n    #la-document-prep [hidden] {display:none!important}\n    @media(max-width:600px){#la-document-prep{margin:10px;padding:16px}#la-document-prep .prep-grid,#la-document-prep .prep-income{grid-template-columns:1fr}#la-document-prep button,#la-document-prep .prep-help{width:100%;margin-right:0;text-align:center}}\n  \u003C\u002Fstyle>\n\u003C\u002Fhead>\n\u003Cbody>\n\u003Csection id=\"la-document-prep\" aria-labelledby=\"la-prep-title\">\n  \u003Ch1 id=\"la-prep-title\">Mortgage Document Preparation Checklist for Los Angeles, CA\u003C\u002Fh1>\n  \u003Cp>Plan what to gather before discussing a purchase or refinance with your loan officer. Select all income sources you want considered, including more than one if applicable.\u003C\u002Fp>\n  \u003Cdiv class=\"prep-note\">\u003Cstrong>A starting point, not final requirements.\u003C\u002Fstrong> This educational checklist is not a loan application, pre-approval or eligibility decision. Your lender determines the documents needed for your loan, stage and circumstances. Alternative-documentation and streamlined programs may use different requirements.\u003C\u002Fdiv>\n  \u003Ch2>Choose your situation\u003C\u002Fh2>\n  \u003Cdiv class=\"prep-grid\">\n    \u003Cdiv>\u003Clabel for=\"la-prep-purpose\">Financing purpose\u003C\u002Flabel>\u003Cselect id=\"la-prep-purpose\">\u003Coption value=\"purchase\">Purchase\u003C\u002Foption>\u003Coption value=\"refinance\">Refinance\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n    \u003Cdiv>\u003Clabel for=\"la-prep-stage\">Where are you in the process?\u003C\u002Flabel>\u003Cselect id=\"la-prep-stage\">\u003Coption value=\"preparing\">Exploring or preparing to apply\u003C\u002Foption>\u003Coption value=\"active\">Under contract or loan already in progress\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n    \u003Cdiv>\u003Clabel for=\"la-prep-properties\">Properties you currently own\u003C\u002Flabel>\u003Cselect id=\"la-prep-properties\">\u003Coption value=\"none\">None\u003C\u002Foption>\u003Coption value=\"home\">My home only\u003C\u002Foption>\u003Coption value=\"investment\">Investment properties only\u003C\u002Foption>\u003Coption value=\"both\">My home and investment properties\u003C\u002Foption>\u003Coption value=\"unsure\">Not sure \u002F another ownership situation\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n    \u003Cdiv id=\"la-prep-sale-group\">\u003Clabel for=\"la-prep-sale\">Will a property sale help fund the purchase?\u003C\u002Flabel>\u003Cselect id=\"la-prep-sale\">\u003Coption value=\"no\">No\u003C\u002Foption>\u003Coption value=\"own\">Yes, a property I own\u003C\u002Foption>\u003Coption value=\"coborrower\">Yes, a co-borrower's property\u003C\u002Foption>\u003Coption value=\"gift\">Possibly, as a gift from someone else's sale\u003C\u002Foption>\u003Coption value=\"unsure\">Not sure yet\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n    \u003Cdiv>\u003Clabel for=\"la-prep-va\">Are you considering VA financing?\u003C\u002Flabel>\u003Cselect id=\"la-prep-va\">\u003Coption value=\"no\">No\u003C\u002Foption>\u003Coption value=\"yes\">Yes\u003C\u002Foption>\u003Coption value=\"unsure\">
404Not sure \u002F want to discuss\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n    \u003Cdiv>\u003Clabel for=\"la-prep-docs\">Documentation approach\u003C\u002Flabel>\u003Cselect id=\"la-prep-docs\">\u003Coption value=\"standard\">Standard income documentation\u003C\u002Foption>\u003Coption value=\"alternative\">Ask about alternative documentation\u003C\u002Foption>\u003Coption value=\"unsure\">Not sure yet\u003C\u002Foption>\u003C\u002Fselect>\u003C\u002Fdiv>\n  \u003C\u002Fdiv>\n  \u003Cfieldset>\u003Clegend>Income sources to discuss — select all that apply\u003C\u002Flegend>\n    \u003Cdiv class=\"prep-income\">\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"wages\">Employment \u002F W-2 wages\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"self\">Self-employment \u002F 1099 work\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"social\">Social Security benefits\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"pension\">Pension \u002F retirement distributions\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"rental\">Rental income\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"investment\">Interest \u002F dividends \u002F investments\u003C\u002Flabel>\n      \u003Clabel>\u003Cinput type=\"checkbox\" name=\"la-prep-income\" value=\"other\">Other income to discuss privately\u003C\u002Flabel>\n    \u003C\u002Fdiv>\n    \u003Cp>VA interest does not replace your income selection. You do not need to provide income amounts here.\u003C\u002Fp>\n  \u003C\u002Ffieldset>\n  \u003Cp>\u003Cstrong>Keep sensitive documents private.\u003C\u002Fstrong> Do not enter or send Social Security numbers, bank details, identification documents or financial records through this tool, ordinary email, text or website chat. Ask your loan officer for the approved secure submission method.\u003C\u002Fp>\n  \u003Cbutton type=\"button\" id=\"la-prep-generate\">Generate preparation checklist\u003C\u002Fbutton>\u003Cbutton type=\"button\" id=\"la-prep-reset\" class=\"prep-reset\">Reset selections\u003C\u002Fbutton>\n  \u003Cdiv id=\"la-prep-result\" class=\"prep-results\" role=\"status\" aria-live=\"polite\" aria-atomic=\"true\">\u003Cp>Select your situation, then generate your preparation checklist.\u003C\u002Fp>\u003C\u002Fdiv>\n  \u003Ch2>Need help preparing?\u003C\u002Fh2>\n  \u003Cp>Your loan officer can confirm which items apply and the time periods needed. This tool does not upload documents or submit a loan inquiry.\u003C\u002Fp>\n  \u003Ca class=\"prep-help\" href=\"tel:+12135101717\">Call (213) 510-1717\u003C\u002Fa>\n  \u003Cp>Preparation references: \u003Ca href=\"https:\u002F\u002Fwww.consumerfinance.gov\u002Fowning-a-home\u002Fprepare\u002Fcreate-a-loan-application-packet\u002F\">CFPB loan application packet\u003C\u002Fa> · \u003Ca href=\"https:\u002F\u002Fwww.va.gov\u002Fhousing-assistance\u002Fhome-loans\u002Feligibility\u002F\">VA home loan eligibility\u003C\u002Fa>.\u003C\u002Fp>\n\u003C\u002Fsection>\n\u003Cscript>\nfunction buildLAPreparationChecklist(a) {\n  const sections = [];\n  const add = (heading, items) => sections.push({heading, items});\n  add('Before sharing any documents', [\n    'Confirm your loan program, application stage, requested document periods and secure delivery method with your loan officer. This list is illustrative, not a complete or mandatory lender checklist.',\n    'Have current identification available. Provide identity or Social Security information only when requested through an approved secure application process.',\n    'Gather recent account statements showing funds you plan to use; two recent months are a common starting point, but your lender may request a different period. Include every page when requested.'\n  ]);\n  if (a.purpose === 'purchase') {\n    const items = ['Prepare information about the source of your down payment and closing funds. Ask how gifts, transfers or sale proceeds should be documented.'];\n    if (a.stage === 'active') items.push('Have your signed purchase agreement and any amendments available if you are under contract. If an earnest-money deposit has been paid, retain the receipt and evidence of its source and payment.');\n    else items.push('If you are still shopping, a signed purchase contract or paid escrow deposit may not exist yet. Ask which items can wait until you are under contract.');\n    if (a.sale === 'own' && a.properties === 'none') items.push('You selected no currently owned property and proceeds from your own sale. Clarify whether the sale already closed or whether another person owns the property; your loan officer can identify the appropriate evidence.');\n    else if (a.sale === 'own') items.push('For a property you are selling, ask about the sales contract, estimated net-proceeds statement before closing, final settlement statement after closing and evidence of received funds, as applicable.');
404\n    else if (a.sale === 'coborrower') items.push(\"Discuss the co-borrower's property sale and ownership with your loan officer. Ask which sale, net-proceeds and transfer records are needed for the funds being used.\");\n    else if (a.sale === 'gift') items.push(\"Do not treat another person's sale as your own sale proceeds. Ask whether the proposed gift is acceptable and what gift and transfer documentation the loan program requires.\");\n    else if (a.sale === 'unsure') items.push('Discuss your planned funding sources before assuming a future property sale will cover funds needed at closing.');\n    add('Purchase preparation', items);\n  } else {\n    const items = ['Have the current mortgage statement, property-tax information and insurance information for the property being refinanced available, as applicable.', 'Ask your loan officer which refinance program and documentation path apply; cash-out, rate-and-term and streamlined refinance programs may differ.'];\n    if (a.properties === 'none') items.push('You selected refinance and no currently owned property. Clarify your ownership or co-borrower situation with your loan officer before relying on this list.');\n    add('Refinance preparation', items);\n  }\n  if (a.properties !== 'none') {\n    const items = ['Gather a list of properties you own and related mortgage, property-tax, insurance and association-dues information, where applicable. Ask which records your lender needs.'];\n    if (['investment','both'].includes(a.properties)) items.push('Have lease or rental documentation available for investment properties when requested. Owning a rental property does not automatically mean its income can be used to qualify.');\n    if (a.properties === 'unsure') items.push('Explain joint, trust, inherited or other ownership arrangements privately to your loan officer so the document request fits your situation.');\n    add('Existing property information', items);\n  }\n  const income = [];\n  const rules = {\n    wages: 'Employment income: recent pay statements and W-2 forms are common starting documents. Ask whether the last 30 days of pay and two years of W-2s are appropriate for your program and employment history.',\n    self: 'Self-employment or 1099 income: discuss your business structure and income history. Personal tax returns, business returns when applicable, 1099s, a current profit-and-loss statement or account statements may be requested; confirm which items and periods apply.',\n    social: 'Social Security income you want considered: have a current benefit or award statement and evidence of receipt available if requested. Ask whether additional tax forms are needed for your situation.',\n    pension: 'Pension or retirement distributions you want considered: have the relevant benefit statement or distribution records and evidence of receipt available if requested. Do not assume every retiree receives both pension and Social Security income.',\n    rental: 'Rental income you want considered: ask about leases, tax returns, property expenses and other evidence appropriate to the property and loan program. Do not assume all gross rent will count as qualifying income.',\n    investment: 'Investment income you want considered: discuss relevant account statements, interest\u002Fdividend records, tax documents and income history with your loan officer. Asset-based qualification may require a different review.',\n    other: 'Other income: describe the source privately to your loan officer and ask what evidence, if any, is appropriate. Do not submit sensitive details through this tool.'\n  };\n  for (const key of a.incomes) if (rules[key]) income.push(rules[key]);\n  if (!income.length) income.push('No income source selected. Ask your loan officer how your income or assets will be reviewed; this tool cannot determine qualification.');\n  add('Selected income sources', income);\n  if (a.docs === 'alternative') add('Alternative documentation — confirm before collecting', ['Program availability and eligibility require loan-officer and lender confirmation. Bank statements or other documents do not automatically replace wage or tax records.', 'Ask which personal or business statements, income analyses and supporting records apply, and the exact periods required. Do not assume a universal 12-month period or mandatory CPA letter. The income items above are discussion prompts, not a prescribed alternative-documentation package.']);\n  else if (a.docs === 'unsure') add('Choose the documentation path with your loan officer', ['Discuss your income sources before choosing standard or alternative documentation. The available program determines the final request.']);\n  if (a.va !== 'no') {\n    const items = ['Discuss VA eligibility separately from income documentation. A Certificate of Eligibility addresses service history;
404 financing also depends on applicable credit, income and occupancy requirements.', 'Ask for help obtaining the COE and which service records apply to you. Depending on your status, a DD-214 or statement of service may be relevant; do not assume everyone needs the same document.'];\n    if (a.purpose === 'refinance') items.push('Ask whether this is a VA cash-out refinance or an Interest Rate Reduction Refinance Loan (IRRRL). Do not assume the same appraisal, income or document requirements apply to both.');\n    add('VA financing discussion', items);\n  }\n  add('Confirm before applying', ['Ask your loan officer to review this preparation list and provide the actual document request. Requirements may change with your program, lender, property and circumstances. Keep sensitive records in the approved secure channel.']);\n  return sections;\n}\n(function () {\n  const root = document.getElementById('la-document-prep');\n  if (!root) return;\n  const field = name => root.querySelector('#la-prep-' + name);\n  const result = field('result');\n  const initial = 'Select your situation, then generate your preparation checklist.';\n  const clear = () => {result.replaceChildren(); const p=document.createElement('p');p.textContent=initial;result.append(p);};\n  const update = () => {field('sale-group').hidden=field('purpose').value!=='purchase';clear();};\n  root.querySelectorAll('select,input').forEach(control=>control.addEventListener('change',update));\n  field('generate').addEventListener('click',()=>{\n    const a={purpose:field('purpose').value,stage:field('stage').value,properties:field('properties').value,sale:field('sale').value,va:field('va').value,docs:field('docs').value,incomes:[...root.querySelectorAll('input[name=\"la-prep-income\"]:checked')].map(e=>e.value)};\n    const heading=document.createElement('h2');heading.textContent='Your preparation checklist — confirm with your loan officer';result.replaceChildren(heading);\n    for(const section of buildLAPreparationChecklist(a)){const h=document.createElement('h3');h.textContent=section.heading;const ul=document.createElement('ul');for(const item of section.items){const li=document.createElement('li');li.textContent=item;ul.append(li);}result.append(h,ul);}\n  });\n  field('reset').addEventListener('click',()=>{root.querySelectorAll('select').forEach(e=>{e.selectedIndex=0;});root.querySelectorAll('input[type=\"checkbox\"]').forEach(e=>{e.checked=false;});update();field('purpose').focus();});\n  update();\n})();\n\u003C\u002Fscript>\n\u003C\u002Fbody>\n\u003C\u002Fhtml>\n",{"value":470},[],"ccustom-code-e3uLBFwMf2D",{},{"id":13,"type":16,"child":474,"class":476,"styles":482,"extra":484,"meta":16,"tagName":48,"title":493,"_id":13,"isGlobal":38,"classStr":50},[475],"row-bqTNgGoFLz",{"width":477,"boxShadow":478,"borders":479,"borderRadius":480,"radiusEdge":481},{"value":21},{"value":23},{"value":25},{"value":27},{"value":23},{"borderWidth":483},{"value":31,"unit":32},{"sticky":485,"visibility":486,"bgImage":488,"allowRowMaxWidth":490,"customClass":491},{"value":35},{"value":487},{"hideDesktop":39,"hideMobile":39},{"value":489},{"url":42,"opacity":43,"options":44,"svgCode":42},{"value":39},{"value":492},[],"Footer Upper",{"id":475,"type":52,"child":495,"class":500,"styles":506,"extra":508,"tagName":74,"meta":52,"title":75,"classStr":76},[496,497,498,499],"col-_m0_K2jMr0","col-LBReE_Jx1T","col-1U4ThdOmwJ","col-uurZhKH5AV",{"alignRow":501,"boxShadow":502,"borders":503,"borderRadius":504,"radiusEdge":505},{"value":57},{"value":23},{"value":25},{"value":27},{"value":23},{"borderWidth":507},{"value":31,"unit":32},{"visibility":509,"bgImage":511,"rowWidth":513,"customClass":514},{"value":510},{"hideDesktop":39,"hideMobile":39},{"value":512},{"url":42,"opacity":43,"options":44,"svgCode":42},{"value":70,"unit":71},{"value":515},[],{"id":499,"type":78,"child":517,"class":519,"styles":524,"extra":526,"tagName":102,"meta":78,"title":103,"classStr":104},[518],"paragraph-jwXCRYOMmq",{"boxShadow":520,"borders":521,"borderRadius":522,"radiusEdge":523},{"value":23},{"value":25},{"value":27},{"value":23},{"borderWidth":525},{"value":31,"unit":32},{"visibility":527,"bgImage":529,"columnLayout":531,"justifyContentColumnLayout":532,"alignContentColumnLayout":533,"forceColumnLayoutForMobile":534,"customClass":535},{"value":528},{"hideDesktop":39,"hideMobile":39},{"value":530},{"url":42,"opacity":43,"options":44,"svgCode":42},{"value":94},{"value":96},{"value":98},{"value":38},{"value":536},[],{"extra":538,"id":518,"tagName":546,"class":547,"meta":552},{"visibility":539,"text":541,"nodeId":543,"customClass":544},{"value":540},{"hideMobile":42,"hideDesktop":42},{"value":542},"\u003Cp>\u003Ca target=\"_self\" rel=\"noopener noreferrer\" href=\"https:\u002F\u002Flosangelesmortgagelender.loans\u002Fterms-of-service\">Terms of Services\u003C\u002Fa>\u003C\u002Fp>","cparagraph-jwXCRYOMmq",{"value":545},[],"c-paragraph",{"boxShadow":548,"borders":549,"borderRadius":550,"radiu
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404,{"visibility":726,"text":728,"nodeId":730,"customClass":731},{"value":727},{"hideMobile":42,"hideDesktop":42},{"value":729},"\u003Ch2>Copyright 2022 . All rights reserved\u003C\u002Fh2>","csub-heading-JRlNrrVrfQ",{"value":732},[],"c-sub-heading",{"boxShadow":735,"borders":736,"borderRadius":737,"radiusEdge":738},{"value":23},{"value":25},{"value":27},{"value":23},"sub-heading",{"extra":741,"id":703,"meta":353,"tagName":354,"class":750},{"visibility":742,"customCode":744,"customClass":747,"nodeId":749},{"value":743},{"hideMobile":42,"hideDesktop":42},{"value":745},{"rawCustomCode":746},"\u003C!-- Legacy duplicate chat removed; website-level chat retained. -->",{"value":748},[],"ccustom-code-pf3hAsDTE_",{},{"extra":752,"id":702,"meta":353,"tagName":354,"class":761},{"visibility":753,"customCode":755,"customClass":758,"nodeId":760},{"value":754},{"hideMobile":42,"hideDesktop":42},{"value":756},{"rawCustomCode":757},"\u003Cdiv style=\"font-family:Arial,sans-serif;font-size:16px;line-height:1.7;color:#173b28;background:#fff;padding:20px;border-radius:10px;overflow-wrap:anywhere;\">\n\u003Ch3 style=\"font-size:18px;font-weight:bold;line-height:1.4;margin:0 0 16px;\">Mortgage information and important limitations\u003C\u002Fh3>\n\u003Cp>Information on this website is general educational information. It is not a loan approval, commitment to lend, personalized rate quote or guarantee of savings. Available financing and final loan terms depend on the lender, program, applicant and property, and are subject to verification and applicable underwriting requirements.\u003C\u002Fp>\n\u003Cp>Loan programs and requirements can change. Down-payment assistance, when available, has separate eligibility and funding conditions and may involve a second loan or repayment obligation. A low- or no-down-payment option does not necessarily eliminate closing costs or other required funds.\u003C\u002Fp>\n\u003Cp>Calculator results are estimates based on the information and assumptions shown, not offers of credit. Actual rates, APR, fees, payments and savings may differ. Review each tool's stated inclusions and exclusions and obtain the applicable loan disclosures before making a financing decision. A lower monthly payment does not necessarily mean a lower total borrowing cost.\u003C\u002Fp>\n\u003Cp>A mortgage or home-equity loan is secured by your property. Failure to meet its terms can put your home at risk. O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender, is not a government agency and is not endorsed by VA, FHA, USDA or CalHFA.\u003C\u002Fp>\n\u003Csection aria-label=\"Business identity and contact\" style=\"background:#fff;color:#173b28;padding:16px;border-radius:10px;font-size:16px;line-height:1.7;overflow-wrap:anywhere;\">\u003Cp>\u003Cstrong>O1ne Mortgage Inc., DBA Los Angeles Mortgage Lender\u003C\u002Fstrong>\u003Cbr>Real Estate Broker — California Department of Real Estate\u003Cbr>California DRE #02103625 · Corporate NMLS #1906814\u003Cbr>Los Angeles Mortgage Lender — DBA NMLS #2530594\u003Cbr>Loan officer: Georges Kfoury · California DRE #01386688 · NMLS #365129\u003Cbr>Equal Housing Lender.\u003C\u002Fp>\u003Cp>453 S. Spring Street, Suite 400, Los Angeles, CA 90013\u003Cbr>\u003Cstrong>Office visits by confirmed appointment only. No walk-ins.\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Phone: \u003Ca style=\"color:#173b28;text-decoration:underline;\" href=\"tel:+12135101717\">(213) 510-1717\u003C\u002Fa>\u003Cbr>Email: \u003Ca style=\"color:#173b28;text-decoration:underline;\" href=\"mailto:[email protected]\">[email protected]\u003C\u002Fa>\u003Cbr>Staffed phone hours: Monday–Friday, 9 AM–5 PM Pacific.\u003C\u002Fp>\u003C\u002Fsection>\n\u003C\u002Fdiv>",{"value":759},[],"ccustom-code-4tK10o4WUU",{},{"extra":763,"id":701,"meta":675,"tagName":778,"class":779},{"nodeId":764,"visibility":765,"imageActions":767,"visitWebsite":768,"imageProperties":771,"theme":774,"customClass":775,"elementVersion":777,"downloadFile":42},"cimage-e_eLVTTkF-",{"value":766},{"hideDesktop":42,"hideMobile":42},{"value":133},{"value":769},{"url":770,"newTab":39},"https:\u002F\u002Flosangelesmortgagelender.loans",{"value":772},{"url":773,"altText":160,"compression":38},"https:\u002F\u002Fservices.leadconnectorhq.com\u002Fdocuments\u002Fdownload\u002FU9NzpLNtMstb1recMkJc",{"value":23},{"value":776},[],{"value":456},"c-image",{"imageRadius":780,"imageBorder":782,"imageShadow":784,"imageEffe
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