Your Mortgage Questions—Answered
The amount you need depends on the loan type. Some programs allow as little as 0% down (like VA and USDA), while FHA loans require as little as 3.5%. Conventional loans can start as low as 3% down for qualified buyers. We’ll help you find the best fit for your situation.
Affordability is based on your income, monthly debts, down payment, credit score, and current interest rates. We’ll help you calculate a comfortable budget so you can shop with confidence—use our online calculator or request a free consultation.
Your payment depends on your loan amount, interest rate, property taxes, homeowner’s insurance, and (if required) mortgage insurance. We’ll break down the numbers for you and provide a custom estimate before you make any decisions.
Typically, the process includes pre-approval, house shopping, making an offer, finalizing the loan application, home appraisal, underwriting, and closing. Our team guides you every step of the way and keeps the process as smooth as possible.
Pre-qualification is a quick estimate of what you might afford based on self-reported info. Pre-approval is a more thorough process with documentation and a credit check—sellers often require this before accepting an offer.
Our FAQs cover the essentials—because an informed buyer is a confident buyer.
Anything below 580 will need 10% down, possibly a cosigner, and asset reserves will really give you a winning chance.
Absolutely! There are special programs and flexible underwriting for self-employed buyers, freelancers, and contractors. We’ll walk you through what’s needed to document your income. Bank statement loans, Profit and loss doc loans, DSCR and no income loans.
These can vary significantly depending on your loan type and loan amount. This is a major reason getting pre-approved early helps you move forward while shopping.
30 days for other lenders. For us 21 days is the norm. We have done them in as little as 10 for extreme urgency. Talk to me about this.
Yes! Getting pre-approved shows sellers you’re a serious buyer, gives you a clear price range, and can make your offer more competitive. We can usually pre-approve you in less than 24 hours.
