How to Apply

We get it — applying for a mortgage the first time can feel intimidating. It doesn’t have to be.

1

Start the Application

Apply online 24/7 (most popular), call us, or stop by the office. Schedule a phone, Zoom, or office appointment online.
(Schedule An Appointment).

2

Upload Documents

Securely upload pay stubs, W-2s, bank statements, and ID. No mailing required.
UPLOAD DOCUMENTS HERE

3

We Do the Heavy Lifting

We underwrite, structure the loan, and keep you updated. Most of the work happens on our side.

4

Close & Get the Keys

Clear communication, accurate paperwork, and on-time closings. That’s the goal every time.

The Cambria Mortgage App

Apply, upload documents, eSign paperwork, calculate payments, text or call your loan officer, and track your loan status — all from your phone.

Encrypted, secure, and designed to make the process less stressful.

Download the free app and handle most of the process on your schedule.

Get Our Mobile App and Apply

What you’ll typically need

Having these basic items ready to submit really speeds everything up:

  • • Last 30-days of pay stubs or proof of income
  • • W2s (usually last 2 years)
  • • Bank statements (last 2 months)
  • • More items may be needed based on your application

Don’t have everything perfect yet? That’s fine — start the application and we’ll tell you exactly what’s still needed.

First time home buyer documents

Questions before you apply?

Call or schedule a quick conversation. No pressure, just clear answers.