Get Pre-Approved for Your
Santa Clarita Home
Work with an experienced local lender who specializes in DPA programs, FHA, VA, and Conventional loans
Mention SantaClaritaBuyersGuide.com and receive a $500 closing costs credit
Meet Your Mortgage Specialist
Get expert guidance from a local lender who understands Santa Clarita and specializes in helping first-time buyers
Specializations
Experience & Expertise
- 15+ years helping Santa Clarita families achieve homeownership
- Certified in all major down payment assistance programs
- Specializes in first-time home buyers and complex financing scenarios
- Deep knowledge of Valencia, Stevenson Ranch, and all Santa Clarita neighborhoods
- Bilingual service available
Exclusive $500 Closing Costs Credit
When you apply with John Yang and mention SantaClaritaBuyersGuide.com, you'll receive a $500 credit toward your closing costs.*
* Credit applied at closing. Subject to loan approval and program eligibility. Cannot be combined with all promotions.
Start Your Pre-Approval Application Online
Complete your mortgage application digitally at your convenience. The process takes about 15-20 minutes, and you'll receive a response within 24-48 hours.
Secure application • No impact to credit score for initial inquiry • Free consultation
Why Choose loanDepot?
Top-Rated Lender
One of America's largest retail mortgage lenders with proven track record and competitive rates
Technology-Driven
Modern digital platform makes the application and approval process fast, transparent, and convenient
Local Expertise
Combined power of a national lender with John's local Santa Clarita market knowledge and relationships
Affiliate Disclosure: Santa Clarita Buyers Guide (operated by Kailei Media) may receive compensation for referrals to John Yang at loanDepot. This relationship does not affect the terms, rates, or services you receive. John Yang is a licensed loan officer with loanDepot.com, LLC. NMLS ID [License Number]. loanDepot.com, LLC NMLS ID 174457. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity.
Not Sure How Much You Can Afford?
Before you get pre-approved, use our free Buying Power Calculator to see what you might qualify for. Get instant estimates based on conservative underwriting standards.
Example Calculation
See what someone making $8,000/month with good credit might afford:
After using the calculator, come back here to get your official pre-approval letter from John!
Why Get Pre-Approved?
Pre-approval is your first critical step to homeownership. Here's how it helps you succeed.
Stronger Negotiating Power
Pre-approval shows sellers you're a serious, qualified buyer, making your offer more competitive in Santa Clarita's market.
Know Your True Budget
Understand exactly how much home you can afford, including down payment assistance programs that can add $50,000+ to your buying power.
Faster Closing Process
Pre-approval speeds up the final loan process, helping you close in 30-45 days and avoid losing your dream home to another buyer.
Rate Lock Protection
Lock in today's interest rates while you shop, protecting you from potential rate increases during your home search.
Identify Issues Early
Discover and address any credit or documentation issues before you find your home, avoiding last-minute surprises.
DPA Program Qualification
Find out which down payment assistance programs you qualify for and how much help you can receive upfront.
What You'll Need for Pre-Approval
Documentation
- Last 2 years of tax returns
- Last 2 months of pay stubs
- Last 2 months of bank statements
- Photo ID (driver's license)
- Social Security number
Information Needed
- Current employment details
- Income and assets information
- Monthly debt payments
- Desired home price range
- Preferred neighborhoods
Don't have everything ready? No problem! John can help you understand what's needed and guide you through gathering the right documents.
Pre-Approval Timeline
Complete digital application online (15-20 minutes) and submit initial documents
Lender reviews your credit, income, and assets to determine loan amount
Receive official pre-approval letter to use when making offers
Total time from application to pre-approval letter: typically 5-7 days
Ready to Start Your Pre-Approval?
Take the first step toward homeownership today. Get pre-approved and start shopping with confidence.
Remember to mention SantaClaritaBuyersGuide.com for your $500 closing costs credit!
What Happens After You Apply:
Application Review
John reviews your application and reaches out within 24 hours to discuss your situation and answer questions.
DPA Assessment
We'll identify which down payment assistance programs you qualify for and maximize your buying power.
Pre-Approval Letter
Receive your official pre-approval letter to use when making offers on Santa Clarita homes.
No Obligation
Free consultation and application with no commitment required
Fast Response
Get answers within 24 hours and pre-approval in 5-7 days
Local Expert
15+ years serving Santa Clarita home buyers