Answers before you even have to ask

It depends on the loan program. FHA loans allow as little as 3.5% down, conventional loans can go as low as 3% for qualified first-time buyers, and VA loans offer 0% down for eligible veterans. We'll help you find the option that fits your savings and goals.

Pre-qualification is a quick estimate based on information you provide. Pre-approval involves verifying your income, assets, and credit, and carries much more weight with sellers and agents when you make an offer.

Most purchase loans close in 21–30 days once you're in contract, though it can vary based on your loan type and how quickly documentation comes together. Refinances often move faster.

Minimums vary by program — FHA loans can work with scores as low as 580, while conventional and jumbo loans generally look for higher scores. A lower score doesn't automatically mean no, so it's worth having the conversation.

Yes. Beyond traditional income documentation, we offer bank statement and asset-based Non-QM programs designed specifically for self-employed borrowers whose tax returns don't tell the full income story.

Private mortgage insurance is typically required on conventional loans with less than 20% down, and it protects the lender if you default. Putting 20% down avoids it, but there are also lender-paid and piggyback options worth discussing.

A fixed rate stays the same for the life of the loan, which is predictable. An adjustable rate often starts lower but can change over time. The right choice depends on how long you plan to stay in the home — we can run both scenarios side by side.

Typically recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Self-employed borrowers or those using alternative income documentation may need a slightly different set — we'll give you a checklist tailored to your situation.

In most cases, yes. Lenders look at your overall debt-to-income ratio rather than any single balance. We'll help you understand how your existing debt factors into what you can qualify for.