We offer a variety of loans including conventional, FHA, USDA, VA, jumbo loans, bank statement loans, refinancing options, and other specialty type loan programs. The best choice depends on your unique financial situation.

Loan amounts depend on your income, credit score, debt-to-income ratio (DTI), and the type of loan you choose. We can help estimate your borrowing power when you fill out an application or book a call.

Credit score requirements vary by loan type. Some loans require a minimum or 580 or 620, while others may have more flexible guidelines.

Down payments range from 0% to 20% or more depending on the loan program. There are down payment assistance (DPA) loans and low down payment loan options as well.

Rates change daily based on the market and your personal credit profile. Contact us for the most up-to-date rates tailored to you.

You submit basic financial info and documents to our secure portal so we can verify your income, credit, and debts. This lets you know your loan eligibility and price range.

Typically, you'll need last 30 days pay stubs, tax returns or W2's, bank statements, ID, and employment info. Exact requirements depend on your loan type.

It usually takes 30-45 days from application to closing but can vary based on loan complexity and documentation.

PMI protects the lender if you put less than 20% down on a conventional loan. VA loans do not require PMI.

Yes, many loan programs allow gift funds from family or approved sources. Guidelines vary depending on the loan type.

Closing costs vary per loan and cover costs for loan processing, home owners insurance premium, title fees, and escrows. They usually range from 2% to 5% of the loan amount.

Most loans allow early payoff without penalties, but some may have prepayment fees. This is a case by case scenario and depends on the loan type.

Fixed-rate loans have the same interest rate for the life of the loan. Adjustable-rate loans start with a lower rate that can change after a set period of time.

Yes, there are programs catered to first time homebuyers, like FHA, VA, Home Ready, Home Possible, Down payment assistance programs, or 1% down conventional programs.

Yes, refinancing replaces your current loan with a new one, potentially lowering your rate or changing loan terms. Many people choose to refinance their mortgage to consolidate or pay off other debt. You will apply and need to qualify just as if you were purchasing a home.

DTI compares your monthly debts to your monthly income. Lower DTI improves your approval chances. DTI limits vary by loan type.

You can absolutely still qualify, but it may require additional documentation like tax returns, 12-24 months of bank statements, or profit/loss statements.

Yes, there are loan programs that accept lower scores, but rates and terms may be affected. Keep in mind it depends on the loan program and what is considered a low score.

- Apply

- Pre-approval

- Under contract

- In processing

- Underwriting & Appraisal

- Clear to close

- Closing day

I will guide you every step of the way!

Reach out to me for a commitment free mortgage consultation by booking a call, or fill out the website form and I will get in touch with you.