Q: I've submitted my application but I haven't received a response. 

A: We may not have received all the information we need. Please e-mail us* or contact us at (800) 622-3518 to fix this problem.

Q: Do I have to enter my Social Security number? 

A: No. Remember, all your information is being submitted through in a secure environment. If you feel uncomfortable entering this information, however, you may enter a number that is obviously false (such as 111-11-1111). We will need your actual Social Security number in order to process your loan, which we can get via phone.

Q: I haven't found my subject property, can I still apply? 

A: Yes. We encourage home buyers to get pre-approved before shopping for their new home. Please feel free to go through the application leaving the subject property fields blank.

Q: Does applying for a loan automatically lock in a rate? 

A: No. Once you put your loan into process you can call (800) 622-3518 and lock a rate between 10 a.m. and 3 p.m. PST, Monday through Friday.

Q: How do I check rates daily? 

A: By calling us at (800) 622-3518 between 10 a.m. and 3 p.m. PST, Monday through Friday.

Q: I'm hesitant about giving my personal information. Is this site secure?

A: Our site uses secure internet protocols when transferring sensitive information. We also do not ask for any account numbers or credit card information. If you feel uncomfortable providing your name or Social Security number you may call us with it. For a more complete explanation of our security policies, please see our security statement.

Q: Is there any financial obligation to completing the application? 

A: There are no fees associated with completing the information.

Q: I have an appraisal, can I use it? 

A: Only if it's less than 6 months old. You will also need to contact the lender whose name appears on the appraisal. They will have to give their permission for the appraiser to reassign the appraisal in our name.

Q: Can I choose my own title company? 

A: Absolutely. We are happy to work with any title company you request. If you do not specify a title company when you go into process we will automatically default to one of our providers.

Q: How long will it take to close this loan? 

A: Generally we can close your loan comfortably within 30 days. However, if there is a delay in receiving your documentation, or there is a problem with your title work or appraisal, a 30 day period may not be sufficient.

Q: Can I choose my own appraiser? 

A: We need to select the appraiser in order to avoid a potential conflict of interest. Our regulators require that appraisals be provided by pre-approved appraisers.

Q: What documentation will I need to close this loan? 

A: For a complete list, please see our Loan Process page.

*Please do not send confidential information (such as your social security numbers, account numbers, and other account information) in Internet e-mail. Unlike Venture Bank's forms, Internet e-mail does not use SSL encryption and is not secure!