Pre-Approval Application

To get Pre-Qualified in less than 20 minutes call Mark Treiber at (530) 208-6704 during office hours or complete the online form by clicking here.

To get Pre-Approved online click here or download and complete the Credit authorization here and the list of required documents here and submit them to:

Pre-Qualified vs. Pre-Approved

What’s the difference? Pre-Qualified is based on the information given by the lender without any verification. There is no loan commitment by a lender but the lender will give you a letter stating you are Pre-Qualified.  Realtor’s like this because it lets them know they are not wasting their time with a buyer that does not have the means to purchase a property.  Also, sellers will feel more comfortable accepting an offer from a buyer that is Pre-Qualified.  Of course if the buyer is Pre-Approved that is even better.

Pre-Approval means the information the buyer has provided to the lender has been verified and the lender has very high confidence that the loan will fund and the escrow will close.

Vacant Land Lender

US Bank, Cheryl Parino, 775-742-2029

Manufactured Home / Mobile Home

21st Mortgage Corporation  800-955-0021, apply online at https://www.21stmortgage.com

Financing up to 20 years, their rate is 6% to 12%. Debt to income ratio 45%.  An appraisal fee of $200 to $500 to be paid by the buyer is required.

Vanderbilt Mortgage and Finance, Inc.  800-970-7250, apply online at https://vmf.com

23 year financing, down payment $0 to 25% depending on credit, interest rate from 8.75% depending on credit, debt to  income ratio 49.99%