Private Client Lending

Formal Mortgage Application

Direct online origination for primary estates, second-home sanctuaries, and equestrian ranches throughout the Ojai Valley.

Category 1 Personal Identification

Category 2 Income & Employment

Category 3 Assets & Liabilities

Category 4 Estate & Collateral

Sign-Off Vault & Submit

Category 1 · Legal Identity

Personal Identification & Legal Status

Federal regulations require government-issued identification, legal residency verification, and taxpayer credentials.

Legal Full Name (as on ID)

Date of Birth

Primary Email Address

Mobile Phone

Taxpayer ID (SSN or ITIN)

Legal Residency Status

Government-Issued ID Type

ID / License Number

Current Residential Street Address

City

State

Zip Code

Step 1 of 5

Category 2 · Financial Capacity

Income & Employment Verification

Select your primary income structure. Underwriting standards vary between W-2 salaried professionals and self-employed luxury estate buyers.

Employment Classification

Employer or Business Name

Job Title or Corporate Role

Years in Current Profession

Industry / Sector

Gross Annual Base Income ($)

Annual Bonuses / Profit Share ($)

Alternative / Supplemental Income ($ / Year) Pensions, trust dividends, Social Security, or alimony may be used if verified by award letters.

Category 3 · Solvency Assessment

Assets, Down Payment & Liabilities

Lenders require 2-3 months of bank statements confirming liquid reserves, down payment capital, and recurring credit obligations.

Total Liquid Assets (Checking / Savings) ($)

Investment / Brokerage Holdings ($)

Retirement Assets (401k / IRA) ($)

Primary Down Payment Source

Gift Letter Agreement: I confirm a signed letter from the donor stating these funds are an outright gift with no expectation of repayment will be provided with bank records.

Monthly Debt Commitments

Auto Loans ($ / Month)

Credit Cards & Revolving ($ / Month)

Student Loans ($ / Month)

Current Rent / Housing Payment ($ / Month)

Category 4 · Collateral Valuation

Target Estate & Loan Structuring

Specify the Ojai residence you are financing, purchase terms, and select your preferred luxury loan structure.

Selected Ojai Estate

Purchase Price ($)

Down Payment ($)

Down Payment Percentage

Preferred Loan Program

Property & Collateral Disclosures

Purchase Agreement / LOI: A formal purchase contract or offer letter has been (or will be) executed with Topatopa Realty Collective representation. Appraisal & Title: I authorize an independent professional California real estate appraisal and preliminary title examination. Hazard & Wildfire Insurance: I acknowledge lender requirements for active Ventura County hazard and California FAIR plan/wildfire binder coverage prior to funding.

Final Step · Digital Sign-Off

Document Vault & Authorization

Attach your underwriting documents from the four categories or stage them for review. Sign electronically to transmit to private underwriting.

1. Government Photo ID

Valid passport, state driver's license, or national ID

Elena_Rostova_CADL.pdf (1.8 MB)

2. Proof of Income

Last 30-day pay stubs / W-2s or 2 years Federal 1040s

2024_2025_TaxReturns_PL.pdf (4.2 MB)

3. Asset Statements

All pages of checking/savings/brokerage statements (last 2-3 mo)

MorganStanley_Statements_Q3.pdf (2.4 MB)

4. Property Paperwork

Purchase contract, title deed, or initial letter of intent

PurchaseAgreement_817DelOro.pdf (1.1 MB)

Electronic Signature (Type Full Legal Name)

Elena Rostova

Digital Timestamp: Oct 30, 2026 IP & Audit Trail Logged

I hereby certify that all information supplied is complete and true. I authorize Topatopa Realty Collective and its chartered lending underwriters to verify employment, obtain credit reports, and evaluate asset statements under the Fair Credit Reporting Act.

Application Received & Staged

Mortgage Application Lodged

Your formal mortgage application has been transmitted directly to our private lending group. An underwriting decision will be rendered within 24 business hours.

TOPA-MTG-84920

Real-Time Financial Intelligence

Purchase Price $3,325,000

Down Payment $665,000 (20%)

Financed Loan Amount $2,660,000

Underwriting DTI Ratio 25.5%

Tier 1 Prime Approval < 36% Ideal

Estimated Total Monthly

$20,420

Includes P&I ($16,734) + Ventura Property Tax ~1.15% ($3,186) + Hazard Insurance ($500)

Julian Rhodes

Senior Director · Private Mortgage Advisory

(805) 646-8824 · Direct Line

Formal Mortgage Application

Personal Identification & Legal Status

Income & Employment Verification

Assets, Down Payment & Liabilities

Monthly Debt Commitments

Target Estate & Loan Structuring

Property & Collateral Disclosures

Document Vault & Authorization

Mortgage Application Lodged

Topatopa Realty Collective

Borrower Information

Subject Property & Loan

Verification Document Checklist