• Pre-qualification: This is a quick, informal estimate based on self-reported financial information.
• Pre-approval: This is a more thorough process where we assess your financial documents (income, credit, debts) and provide a more accurate loan amount you’re approved for. There’s no cost to get pre-approved, and it won’t affect your credit score.

The down payment requirement depends on the type of mortgage. Conventional loans typically require 5-20%, while government-backed loans (FHA, VA, USDA) may require as little as 3-5%. We’ll help you explore the options that require the least amount of upfront payment.

PMI is insurance that protects the lender if you default on the loan. If your down payment is less than 20%, PMI may be required. Once your loan balance reaches 80% of the home's value, you can usually cancel PMI.

We offer several mortgage options:

• Fixed-rate mortgages: The interest rate stays the same for the life of the loan.
• Adjustable-rate mortgages (ARMs): The interest rate can change after an initial fixed period.
• FHA, VA, USDA loans: Government-backed loans with lower down payment requirements.
• Jumbo loans: For higher-value properties that exceed conventional loan limits. We’ll help you choose the best option based on your needs.
• Non-QM loans: For non-conventional borrowers, such as Foreign Nationals, Real Estate Investors, and in general, loans where the income, credit or employment of the borrower is not a significant factor to get approved for a mortgage loan.

The mortgage process typically takes 25-35 days. It depends on how quickly we receive your documentation and the complexity of the application. We’ll guide you through every step to ensure a smooth process.

Closing costs are fees associated with finalizing the mortgage. They typically range from 2-5% of the home’s purchase price and can include loan processing fees, appraisal fees, title insurance, and more. We’ll explain all costs upfront so you’re prepared.

Yes, refinancing allows you to replace your current mortgage with a new one, often with a lower interest rate or different terms. If refinancing is right for you, we’ll help you explore your options and guide you through the process.

An appraisal is a professional assessment of the home’s value, ensuring that the property is worth the loan amount. The lender needs to make sure the property can cover the loan if you default.

Your mortgage rate is based on factors like your credit score, the size of the loan, the down payment, and the type of loan you choose. We work with multiple lenders to find you the best rate available.

Yes, homeowners' insurance is typically required by lenders to protect the property. This insurance covers damage from things like fire, theft, and natural disasters. We can help you understand what’s needed and find the right policy for your home.

As a mortgage broker, we work with multiple lenders to find the best loan options for you. Unlike a lender, which can only offer their own loans, we have access to a variety of loan products, giving you more choices and flexibility.

It’s possible to buy a home with bad credit, especially with government-backed loans like FHA or VA. These loans tend to have more flexible credit requirements. We’ll help you find the right option and guide you through the process.

We specialize in helping first-time homebuyers! We’ll explain the entire process, from pre-approval to closing, and help you find the mortgage option that works best for you.

No, getting pre-approved is completely free. We’ll assess your financial situation and provide you with a pre-approval letter at no cost to you. Plus, it won’t affect your credit score—it’s a simple, risk-free way to understand your borrowing power.

No, checking your credit for pre-approval is a soft inquiry, which doesn’t affect your credit score. We’ll help you understand your credit and guide you in improving it if needed, all without any negative impact on your credit.