Frequently Asked Questions

1. What types of loans do you offer?

We offer FHA, VA, Conventional, Jumbo, Investment Property Loans, Self-Employed Loans, HELOCs, and more.

2. How do I qualify for an FHA or VA loan?

For an FHA loan, you generally need a credit score of 580 or higher. VA loans require military service eligibility. We’ll guide you through specific qualifications based on your needs.

3. What documents are needed for a mortgage application?

You’ll need ID, proof of income, tax returns, bank statements, and a credit history check to get started.

4. How long does the pre-approval process take?

The pre-approval process typically takes 24-48 hours if all required documents are submitted on time.

5. What credit score do I need to qualify for a mortgage?

A score of 620 or higher is typical for conventional loans. However, FHA loans may accept lower scores starting from 580.

6. Can self-employed individuals get a mortgage?

Yes, we offer specialized loans for self-employed individuals based on bank statements and P&L reports instead of traditional income verification.

7. What are the current interest rates?

Interest rates vary based on the loan type, your credit score, and market conditions. Contact us for the most up-to-date rates.

8. How much of a down payment is required?

Conventional loans usually require 5-20% down, while FHA loans can require as little as 3.5%.

9. What are closing costs?

Closing costs typically include fees for appraisal, title insurance, and lender services, and are usually 2-5% of the loan amount.

10. How do I refinance my mortgage?

We’ll review your current loan terms and help you secure better rates or restructure your mortgage to suit your financial goals.