Is this a mortgage application?

No. /start and /requested-documents are the same conversation: door, a few facts, typical paper. /apply is scenario intake. None of those is a TRID application by itself.

Do I need every item before we talk?

No. Bring what you have. Overlay at lock decides the rest. I will not make you scan three years of 1040s if the stack is bank-statement.

Why isn't this an AI list?

Because the box is rules plus overlay, not a chatbot. A generated paragraph that invents a cutoff is worse than a short honest list.

Is private money a W-2 file?

No. Private money asks job, exit, and occupancy — not your tax returns. If you occupy the property, we may switch you to a 30-year or 203(k) desk.

Francisco Williams

I answer this myself. No credit pull.

Documents · same questions as /start

What to gather — first, which file is this?

Name: Francisco Williams — Mortgage Broker
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (213) 880-8107
Price range: $$

Pick the door. Private money gets job, exit, and occupancy — not a W-2 quiz. Then the typical ask. Overlay at lock.

1. Which file
2. A few facts
3. Typical ask
4. Send it

Call (213) 880-8107

About two minutes. You see the lane first.

If you already know the stack

Same doors as the conversation above. W-2s are not a universal requirement.

Identity (most files)

Government photo ID
Social Security number on the application — or ITIN letter / passport if that is the file
Two-year address history

W-2 occupancy

W-2s (typically two years) and 30 days of pay stubs
Two months of asset statements, all pages
Not the DSCR stack and not private money

1–4 rental (DSCR)

Leases or a market-rent schedule — the property's income, not your W-2
Entity papers if an LLC takes title
Same door as /start → Finance a 1–4 rental

Private money

Job, exit, occupancy — not a consumer 30-year box
Rehab budget / ARV if it is a flip or construction
Same three questions as /start. I will not run a W-2 quiz on a business-purpose file

Commercial / SBA

Sell vs finance is the first sort
SBA: business and personal returns, debt schedule, use of proceeds
Five-plus, net-lease, and sale sit with Williams Capital Advisors — same person

Same conversation lives at /start. Call (213) 880-8107. Scenario intake lives at /apply.