Keystone Lane Home Loans · NMLS #000000 (sample)
Know your number before you fall for a house.
One conversation, a clear list of documents, and a pre-approval letter you can hand to your agent.
Marcus Bell, Loan Officer · NMLS #000000 (sample) · Orange County and the Inland Empire
Tell me your goal.
A 15-minute call about the home you want, your timeline and what you want your payment to be.
Send a short list of documents.
Pay stubs, W-2s or tax returns, bank statements and an ID. I send the exact list after we talk.
Get your letter.
A pre-approval letter you can send with an offer, plus a plain-English summary of your numbers.
Loan options
The right loan is the one that fits your plan.
- ConventionalA common choice when your credit is solid. Down payments can start lower than most people expect.
- FHAGovernment-insured, with more flexible credit guidelines. Often a fit for first-time buyers.
- VAFor eligible veterans and service members. Often no down payment required.
- First-time buyer programsState and local down payment help may be available. I check what you qualify for.
Payment estimator
Try a few numbers.
Change the price, down payment and rate to see a rough principal and interest payment. Your real numbers come from a conversation.
Start here
Start my pre-approval.
Four questions, then where to reach you. No credit check happens from this form.
You're on Marcus's list.
Marcus will call you within one business day with your document list.
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Talk to Marcus
Marcus will call you within one business day.