We offer low interest Modesto home loans for qualified applicants looking for a mortgage in Modesto.

24 Hour Loan Approval

The Winchester Lending Group has the ability to approve people quickly for their Home Loan or Construction Loan.  This is the first step in the loan process.  We can get you an approval letter within 24 hours with these few key items:

  • Tax information - this would be your W-2 or 1099 depending on if you are self-employeed borrower or a W-2 employee
  • Pay Stubs - Most current paystubs for a W-2 employee
  • Bank statement - 2 most recent
  • Liquid Assest - 401K, Mutual Funds, CD, Stocks and IRAS and Savings accounts
  • Mortgage Statement - if you rent now skip this and make sure you check out our First Time Home Buyer page and bring us your landlord's name and number

If you have any questions please feel free to contact us!

One might ask "why does my lender need this information?"  This information will help us determine what type of program will best fit your mortgage needs.  Whether your goals are short term or long term, we want to make sure your needs are met!  Feel free to contact us day or night for an approval!

Some other question you might want to start thinking about:

  • How long will I be living in this home?
  • Will I be moving in to a bigger home down the road?
  • Do I want to make a down payment?
  • If so how much of a down payment?
  • Have I planned for retirement?
  • What about a college fund for my kids?

Some question you might want to ask us:

  • What types of programs do I qualify for?
  • How will each one benefit me?
  • How can I use my mortgage to work for me?.
  • What is PMI?
  • What is an 80/20?

For answers to this questions just contact us for help!