We offer a comprehensive range of mortgage options including FHA loans (perfect for first-time buyers), VA loans (for veterans and military families), Conventional loans, USDA loans (for rural properties), Non-QM loans, Jumbo loans, and specialized programs for self-employed borrowers.

To qualify for a mortgage, you'll typically need:

• Stable income: Proof of employment for at least 2 years
• Good credit score: Generally 580+ for FHA, 620+ for conventional loans
• Down payment: Varies from 0% (VA) to 3-20% depending on loan type
• Debt-to-income ratio: Usually below 43-50%
• Financial documentation: Tax returns, bank statements, pay stubs

Our experienced loan officers will guide you through this process.

Absolutely! Getting pre-approved is one of the smartest steps you can take. Pre-approval gives you a clear understanding of your budget, shows sellers you're a serious buyer, and helps you make competitive offers. The process typically takes 24-48 hours and provides you with a pre-approval letter valid for 90 days.

Pre-qualification is a quick estimate based on basic financial information you provide, while pre-approval involves a thorough review of your credit, income, and financial documents. Pre-approval carries much more weight with sellers and gives you a stronger position when making offers on homes.

A fixed-rate mortgage maintains the same interest rate throughout the entire life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) starts with a lower initial rate that can change based on market conditions after an initial fixed period. Fixed-rate loans offer stability, while ARMs can provide lower initial payments but carry the risk of rate increases over time.

Our streamlined process typically takes 21-30 days from application to closing. However, this can vary based on factors like loan complexity, property type, and how quickly you provide required documentation. We pride ourselves on clear communication and keeping you informed every step of the way.

Closing costs typically range from 2-5% of your loan amount and may include:

• Loan origination fees
• Appraisal and inspection fees
• Title insurance and escrow fees
• Credit report and processing fees
• Recording fees and taxes

We provide a detailed Loan Estimate within 3 days of your application, breaking down all costs so there are no surprises at closing.

Yes! Most of our loan products allow additional principal payments without penalties. Making extra payments can significantly reduce the total interest paid over the life of your loan and help you build equity faster. We'll show you exactly how extra payments can impact your loan and discuss the best strategy for your financial situation.

Don't worry! We work with borrowers across the credit spectrum. FHA loans accept scores as low as 580, and we have specialized programs for borrowers with unique credit situations. We can also provide guidance on improving your credit score and connecting you with credit repair resources if needed. Your homeownership dreams are still achievable!

Absolutely! We offer both rate-and-term refinancing (to lower your rate or change your loan term) and cash-out refinancing (to access your home's equity). Whether you want to lower your monthly payment, shorten your loan term, or tap into your home's equity for improvements or debt consolidation, we have refinancing solutions to meet your needs.

You'll typically need:

• Last 2 years of tax returns
• Recent pay stubs (30 days)
• 2 months of bank statements
• W-2 forms from past 2 years
• Proof of any other income (rental, investment, etc.)
• Documentation of assets and debts

We'll provide you with a complete checklist during the application process to make sure you have everything needed.

A general rule of thumb is that your monthly housing payment shouldn't exceed 28% of your gross monthly income. However, this can vary based on your credit score, debt-to-income ratio, and loan program. Our loan officers can help you determine your exact affordability and show you different scenarios based on down payment amounts and loan terms.

Down payment requirements vary by loan type: VA loans require 0% down for qualified veterans, USDA loans offer 0% down for rural properties, FHA loans require as little as 3.5% down, and conventional loans typically require 3-20% down. The amount you put down affects your monthly payment, interest rate, and whether you'll need mortgage insurance.