Shop with a yes in your pocket.
A verified pre-approval from Steven Shearrill, Mortgage Loan Originator and California broker, is what sellers in Temecula and San Diego expect to see with your offer. Apply online in about fifteen minutes.
Pre-approval in three moves
Apply, learn and prepare
Secure online application
Steven's encrypted mortgage application. Create your login, answer the questions, upload documents from your phone and track the file as it moves.
Start the application →02 · GUIDEFree homebuying guide
Steven's step-by-step guide to buying a home, from pre-approval through closing, with the VA details most guides leave out.
Open the homebuying guide →03 · LEARNVA home loan education videos
Short videos from Steven on eligibility, entitlement, the funding fee, appraisals and how to use the VA benefit more than once.
Watch the VA loan videos →From application to approval
Apply
Complete the online application. Fifteen minutes, from any device.
Upload
Add your documents through the secure portal. Steven pulls your Certificate of Eligibility.
Review
Steven underwrites the file personally and calls you with numbers, options and a plan.
Shop
You receive a written pre-approval and a shortlist of communities mapped to your gate and budget.
Documents checklist
- Government-issued photo ID
- Most recent LES or 30 days of pay stubs
- Two years of W-2s or tax returns
- Two months of bank statements
- DD-214 or Statement of Service
- VA award letter, if receiving disability
- Orders, if you have them
- Current mortgage statements for any homes you own
The pre-approval that wins the house
Listing agents call the lender before they accept. When your lender wrote the offer, the call takes thirty seconds.
Pre-approval FAQ
How long does a VA pre-approval take?
Most buyers who complete the online application and upload their documents the same day have a written pre-approval within 24-48 hours. Steven reviews every file personally.
Does applying affect my credit?
A mortgage pre-approval uses a single credit pull. Multiple mortgage inquiries within a short shopping window are treated as one by the scoring models.
What documents will I need?
Government ID, your Certificate of Eligibility (Steven can pull it), recent LES or pay stubs, two years of W-2s or tax returns, two months of bank statements and, if applicable, your DD-214, VA award letter or orders.
Is a pre-approval the same as a pre-qualification?
No. A pre-qualification is an estimate from what you tell a lender. A pre-approval means your credit, income and assets have been verified and underwritten, which is what listing agents in Temecula and San Diego expect to see with an offer.
Can I get pre-approved before I have orders or a Certificate of Eligibility?
Yes. Steven can pull your COE electronically in most cases and can issue a pre-approval before orders are cut so you are ready the moment they arrive.
Who is the lender?
Steven Shearrill originates loans as a Mortgage Loan Originator with Patriot Pacific Financial Corp. He is also your California Real Estate Broker with LPT Realty, so the same person handles both sides.
Talk with Steven about getting pre-approved
Steven Shearrill is a California Real Estate Broker (Broker Associate, LPT Realty, CA DRE# 01988316) and retired U.S. Navy Chief. He answers his own phone, works directly with every client, and brings a lender's eye to every VA purchase.