Apply Now

With RC Advantage, the loan approval process has never been as easy. We offer a variety of secure and convenient application options:

1. Complete Secure 1003 Application
   • Formal Loan Application
2. Call us at (530) 477-9177
   • We will gladly take your application over the phone and assist you with any questions you may have.
3. Download Application
   • Download this FREE application now and simply mail it, fax it, or bring it to the office.
4. Documents needed
   • Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
   • Names/addresses of employers for two years
   • W-2s for two years
   • One to two years of tax returns
   • A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker
   • Bank statements for two to three months
   • If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
   • Proof of pension income, if applicable
   • Social Security and Disability payments, if applicable
   • Dividend earnings
   • Bonuses
   • Child support or alimony payments (optional for you to disclose)
   • A copy of earnest money deposit
   • Information on debts such as car loans, student loans and credit cards
   • Security accounts (stocks, bonds, life insurance)