Frequently Asked Questions

A pre-approval shows sellers and agents you’re a serious buyer and clarifies your budget. It also speeds up the process once you find a home. We can get you pre-approved quickly so you can shop with confidence.

It depends on the loan type. FHA loans may accept scores as low as 580 (or 500 with a larger down payment). Conventional loans often require 620 or higher. VA and USDA have their own guidelines. We’ll help you understand your options based on your score.

You might need as little as 3% for some conventional programs, 3.5% for FHA, and 0% for VA and USDA (if eligible). First-time homebuyer and other programs can help with down payment assistance. We’ll match you with options that fit your situation.

FHA loans are government-backed and often allow lower credit scores and down payments but require mortgage insurance. Conventional loans are not government-backed and may have stricter credit and down payment requirements but can offer competitive rates and no upfront mortgage insurance with 20% down. We’ll compare both for you.

Yes. We work with self-employed borrowers using bank statements, profit-and-loss statements, and other documentation. Non-QM and bank statement programs are available. We’ll find a solution that fits your income structure.

VA loans offer no down payment, no private mortgage insurance, and competitive rates for eligible veterans and active-duty service members. We’ll help you understand eligibility and walk you through the process.

From application to closing typically takes 30–45 days, though it can vary. Getting pre-approved early and having your documents ready helps keep things on track. We’ll keep you updated at every step.

Common items include ID, pay stubs, W-2s or tax returns (for employed or self-employed), bank statements, and information on debts and assets. We’ll give you a clear checklist based on your situation so nothing is left to chance.