You will need Credit report and FICO score. Credit report must include all 3 credit agencies. http://www.FreeCreditReport.com may be able to provide you with a free report, if not, I can refer a lender that will run a report for a fee. You will need proof of income (last 2 months check stubs) Let me know if I can be assitance
I searched MV, Lake Forest, irvine, Aliso, Laguna Niguel, nothing else is available at that price range. If you're interested, you can contact me at anytime and i'd be happy to help you.