FAQ

Frequently Asked Questions

What does Maryam do?

Maryam Vafa is a Realtor and Mortgage Loan Officer serving South Orange County. She helps clients buy and sell homes and secure the right loan — including bank statement loans and non-QM programs for self-employed buyers and borrowers who don’t fit traditional lending criteria.

How do I start?

Apply here — start with the 2-minute Quick Pre-Qualification form (no SSN), then complete your full application on Loan Factory’s secure portal.

What documents do I need?

See What Documents Do I Need? on the Apply page. In general, be ready with a government-issued photo ID, recent pay stubs, W-2s and tax returns (past 2 years), and bank statements (past 2 months). The exact list can vary by loan type — Maryam will confirm what applies to your loan.

What is pre-approval?

Pre-approval is a review of your finances and documents that results in a pre-approval letter. See the Pre-Approval Process on the Apply page for the steps.

I’m self-employed. Can I still get a loan?

Yes — bank statement loans use bank statements to document income for self-employed borrowers whose tax returns do not show their full income. Ask Maryam which programs fit your situation.

What areas do you serve?

Maryam is based in Laguna Niguel and serves South Orange County.

How do I contact Maryam?

Call (949) 431-6565 or email info@ultrealty.com.