Presto Home Loans — Your Application

Step 1 of 12

Confirm your numbers.

Tell us about the home you're looking to buy and a bit about you to get started.

First Name

Mobile Number

Estimated Purchase Price$650,000

Down Payment20% · $130,000

Credit Score Range

Tell us a bit more

What are you looking to do?

Purchase a home Refinance Cash-out refinance Build a home

Who is applying?

Just me Me + co-borrower (spouse, partner)

Add a co-borrower to this application

Step 2 of 12

Let's confirm who you are.

We need a few more details to complete your profile. Your information is encrypted and secure.

First Name

Middle Name

Last Name

Any alternate names? (maiden name, previous name)

Date of Birth

Citizenship

Marital Status

Number of Dependents

Ages of Dependents

Contact & Account

Mobile Number

Email Address ★ For save & resume

Home Phone (optional)

Work Phone (optional)

Step 3 of 12

Where do you live?

Lenders require 2 years of address history. We'll ask for a previous address only if you've been at your current home less than 2 years.

Current Address

Street Address

City

State

ZIP Code

How long at this address?

Housing Status

Monthly Rent (if renting)

I've lived here less than 2 years — add former address

Former Address (if less than 2 years at current)

Street Address

City

State

ZIP Code

How long at former address?

Housing Status

Step 4 of 12

Tell us about your work.

We need your current employment. If you've been in this job less than 2 years, we'll ask for your previous employer too.

Current Employer

Employer / Business Name

Employer Phone

Employer Address

Your Title / Position

Start Date

How long in this line of work total?

I own 25% or more of this business

I am self-employed

I've been at this job less than 2 years — add previous employer

Previous Employer (if less than 2 years current)

Previous Employer Name

Dates Employed

Title / Position

Employer Phone

Step 5 of 12

What do you earn?

List all monthly income from all sources. Include all that apply — the more complete this is, the stronger your application.

Monthly Income — Primary Employment

Base Pay (monthly)

Overtime (monthly avg)

Bonuses (monthly avg)

Commission (monthly avg)

Military Entitlements

Other Employment Income

Other Income Sources

Rental Income

Social Security / Pension

Alimony / Child Support received

Other Sources

⚡ Lonnie previews your numbers — enter your income above for a general estimate, not a credit decision.

Step 6 of 12

What do you have saved?

List your bank accounts, retirement accounts, and investments. This shows lenders you can cover your down payment and closing costs.

Bank Accounts

Account Type

Financial Institution

Current Balance

Account Type

Financial Institution

Current Balance

Retirement & Investments

Type

Institution

Market Value

Other Assets

Asset Type

Value

Step 7 of 12

What do you owe?

List all monthly debts — credit cards, car loans, student loans, personal loans. This calculates your debt-to-income ratio in real time.

Monthly Debt Obligations

Type / Lender

Monthly Payment

Balance Remaining

Other Monthly Obligations

Alimony / Child Support paid

Other obligations

DEBT-TO-INCOME RATIO

—

Based on your income and debts so far.
Enter your debts above

Step 8 of 12

Properties you own.

If you own other real estate, list it here. First-time buyers — you can skip this entire section.

Property Address

Property Value

Status

Occupancy

Monthly Mortgage Payment

Mortgage Balance

Gross Rental Income (if investment)

Net Monthly Rental Income

Step 9 of 12

The home you're buying.

Tell us about the property. Once we have everything federal law requires — including your completed application — your Loan Estimate follows within 3 business days.

Property Information

Property Address ★ Triggers Loan Estimate

City

State

ZIP Code

Property Value / Purchase Price

Number of Units

Occupancy

Manufactured Home?

Loan Information

Loan Amount

Loan Purpose

Gifts & Down Payment Sources

Gift Source (if any)

Gift Amount

Already in bank account?

Step 10 of 12

A few standard questions.

Every lender asks these. They don't automatically disqualify you — they help us find the right program and structure. Final eligibility is subject to lender underwriting.

About This Property

Will you occupy this property as your primary residence?

Have you had an ownership interest in a property in the last 3 years?

About Your Finances

Are there any outstanding judgments against you?

Have you declared bankruptcy in the last 7 years?

Have you had a property foreclosed or done a short sale in the last 7 years?

Are you currently delinquent on any federal debt?

Are you a party to a lawsuit?

Are you obligated to pay alimony, child support, or separate maintenance?

Are any funds for this loan borrowed (not a gift, not your own savings)?

Are you a co-signer or endorser on another loan?

Step 11 of 12

Almost there.

Federal law requires us to ask the demographic questions below — you may decline to answer any of them. This information is never used in lending decisions; it helps regulators ensure fair access to credit.

Military Service

Are you currently serving in the U.S. military, or have you ever served?

Branch of Service (if served)

Separation / Expiration Date

Demographic Information We're required to ask — you may decline to answer (HMDA)

Ethnicity

Hispanic or Latino Not Hispanic or Latino Prefer not to say

Race (select all that apply)

Sex

Male Female Prefer not to say

Step 12 of 12

Review & sign.

Everything looks great. Review your application summary, then authorize your credit check to get your pre-approval letter.

Loan & Property

Purchase Price$650,000

Loan Amount$520,000

Down Payment20% · $130,000

Loan PurposePurchase — Primary Residence

Borrower

Name—

Mobile—

Employment—

Monthly Income—

DTI Ratio—

Credit Authorization

Social Security Number ★ Authorizes credit pull

By entering your SSN and signing below, you authorize Presto Home Loans (NMLS #1499621) to obtain your credit report. This will result in a hard inquiry on your credit. You'll receive your credit score disclosure and every notice required by law. See our California Consumer Privacy Act notice for how your information is collected and used.

I agree to sign this application and receive my disclosures, pre-approval summary, and other required documents electronically. You may request paper copies instead by contacting Presto directly — this won't affect your application.

Borrower Signature

Click to sign

Date

Your Documents

📄

Presto Pre-Approval Summary

Branded PDF — share with your real estate agent. Generates after submission.

📋

Official URLA Form 1003

Your loan officer will prepare your official 1003 and send it to you directly.