Buying or refinancing a home comes with questions. Here are clear answers to the most common ones we hear.
Pre‑qualification is an initial review based on basic information. Pre‑approval is a deeper review that may involve documents and credit verification. Pre‑qualification is a great first step.
No. Pre‑qualification does not require a hard credit pull.
Most purchase loans take 30–45 days from application to closing, depending on the loan type and documentation.
Yes, in many cases. Certain loan programs (such as FHA) are more flexible with credit. If you’re not ready yet, we can guide you on steps to improve your situation.
It depends on the loan program. Some options start around 580, while others require higher scores. We review your full profile, not just the number.
Yes. Self‑employed borrowers can qualify with the right documentation. We’ll help you understand what’s needed.
Down payments can be as low as 3%–3.5% for certain programs. Some buyers may qualify for low or zero down options.
Closing costs include lender fees, title fees, and other required expenses. We explain these clearly before you move forward.
You may want to refinance if:
Yes. We use secure systems to protect your personal and financial information at all times.
No. As a mortgage brokerage, we work with multiple lenders to find the best option for you.
We’re happy to help — no pressure, no obligation.
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