The Loan Process

Unlike a typical bank or direct lender, we’re a mortgage broker. That means we have access to many lenders and loan programs, so we can find a loan tailored to your needs rather than a one-size-fits-all product. We also pride ourselves on personal service. You’ll work closely with a friendly loan consultant who keeps you informed, answers all your questions, and makes the process as smooth as possible.

We offer a wide range of loan options to suit different needs. These include Conventional loans, FHA loans, VA loans for veterans, USDA loans for rural areas, Jumbo loans for higher-priced homes, and Bank Statement loans for self-employed or non-traditional earners. Whether you’re buying your first home, upgrading, or refinancing, we likely have an option that fits. Our team will explain the pros and cons of each and help you choose the right one.

Absolutely! We love working with first-time buyers and guiding them from start to finish. We’ll walk you through every step, from figuring out how much home you can afford to getting pre-approved, all the way to closing day. Everything will be explained in clear, simple terms. You’ll also get plenty of tips and support along the way. No question is too small. We’re here to make sure you feel comfortable and confident throughout your homebuying journey.

Getting started is easy. You can contact us directly to chat about your needs, or if you’re ready, fill out a quick online application to get preapproved. There’s no cost to talk to us and no obligation to proceed. We’ll review your information, discuss your goals, and present you with options. Even if you’re just exploring, we’re happy to answer questions and help you understand your next steps.

The timeline can vary a bit, but generally once you’ve found a home and signed a purchase agreement, it takes around 30 days to close the loan. Getting pre-approved with us is much fast and easy. We use efficient technology and proactive teamwork to keep things moving quickly. If you have a specific deadline or need to close faster, just let us know and we’ll do everything we can to meet it.

We work with all kinds of credit profiles. In general, a higher credit score (around 700 or above) can help you get better interest rates on a conventional loan. But don’t worry if your score is lower. We have programs like FHA loans that are more forgiving (often accepting scores in the mid-600s or even lower in some cases). Instead of focusing only on one number, we look at your whole financial picture. If your credit isn’t perfect, we’ll give you honest advice on what you might qualify for now or how you can improve your approval chances.

Down payment requirements depend on the loan type and your qualifications. Some loans, like certain Conventional programs, let qualified buyers put as little as 3% down. FHA loans require a minimum of 3.5% down. VA and USDA loans actually allow 0% down for those who are eligible. Of course, if you can put 20% down on a conventional loan, you’ll avoid paying mortgage insurance, but many people buy homes with much less. We’ll help you explore your options and even point you toward any down payment assistance programs in your area if you need a boost.