FREQUENTLY ASKED QUESTIONS
What’s the difference between a mortgage broker and a lender?
As a broker, we shop multiple lenders on your behalf to find the best rates and terms for your unique financial situation.
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What loan programs do you offer?
We offer Conventional, FHA, VA, USDA, Investor Loans, Bank Statement, Construction, and Refinance loans.
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Do I need perfect credit to qualify?
Not at all. We work with borrowers across a wide range of credit profiles and help you identify the best options available.
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How much can I qualify for?
That depends on your income, credit, debts, and assets. You can schedule a pre-qualification call to get an accurate estimate.
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How much do I need for a down payment?
Depending on the program, down payments can range from 0% to 20%. We’ll help you explore every eligible option.
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Can I get help with my down payment or closing costs?
Yes, there are programs and seller concessions that may help reduce your upfront costs.
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How long does it take to close on a home?
Most purchases close within 30–45 days, but timelines can vary depending on the loan type and property.
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Can I buy an investment property with a mortgage?
Yes, with special products, you can qualify based on property cash flow or business income.
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When should I consider refinancing?
You may want to refinance to lower your rate, access cash, consolidate debt, or fund a renovation.
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