Four Steps. No Surprises. Paper Check at Closing.
From Initial Call to Funding — Simple and Direct
Initial Call
Call us or fill out the online application. We'll discuss your property, equity position, and loan needs — no pressure, just a straightforward conversation.
~ 1 day
Underwriting
Provide your mortgage statement, tax bill, income docs, and ID. We underwrite based on equity strength — no appraisal required — using local comps and public records.
~ 1–3 days
Docs & Closing
We prepare the promissory note and deed of trust, walk you through every page, and close at your attorney's office, a title company, or ours — your choice.
~ 3–5 days
Funding
We wire funds or cut a paper check the same day. The money goes directly to you or your designated account — typically within 24 hours of signing.
~ 1 day to fund
Documents & Information We Request
Required Documents
- Current mortgage statement (first lien)
- Recent property tax bill
- Proof of income (paystubs or tax returns)
- Government-issued ID
- Proof of home ownership (title or deed)
- Current home insurance declaration page
- List of existing liens or judgments (if any)
- Recent bank statement
Information to Provide
- Approximate home value
- Outstanding first mortgage balance
- Desired loan amount
- Intended use of funds
- Preferred loan term (3, 5, 7 years)
- Contact information
- Property address
- Employment information
Not all documents apply to every situation. We'll tell you exactly what we need during your initial conversation.
Common Questions About the Process
From your initial call to cash in your account, most loans close in 7–10 business days. If documents are in order, we can sometimes move faster. The limiting factor is usually borrower document gathering, not our underwriting.
No. We analyze your home's value using public records, recent comparable sales, and market data for San Diego County. If we need more clarity, we may request photos or a drive-by — but a formal appraisal is not necessary.
We focus primarily on equity, not credit scores. If you have significant home equity and a reasonable explanation for past credit issues, we can often approve you. Equity is king in our decision-making process.
Yes. No prepayment penalty. Pay off after 6 months or 5 years — your choice, zero extra fees.
No. We don't charge origination fees, application fees, or surprise closing costs. The rate and terms we quote are what you'll pay.
Erik Egelko. He personally reviews your file and makes the lending decision. No committee. No algorithm. Direct conversation with the person making the call.