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FAQs
What loan types do you offer?
We provide a variety of loan options, including:
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Conventional Loans
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FHA Loans
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VA Loans
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USDA Loans
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ITIN Loans
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Bank Statement Loans
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One-Time Close Construction Loans
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DSCR/Investor Flex Loans
What credit score do I need to qualify?
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Conventional Loans - 620+
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FHA Loans - 580+
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VA & USDA Loans - No minimum set by the VA/USDA, but most lenders require 620+
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Bank Statement Loans - Flexible, based on business income. If you're unsure, we can help you review your options
How much down payment do I need?
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Conventional & FHA Loans - 3-5%
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VA & USDA Loans - 0%
Down Payment Assistance Available for those who qualify
How long does the mortgage process take?
Typically, 30 days, but it depends on the loan type and how quickly documents are submitted.
What's the difference between pre-qualification and pre-approval?
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Pre-Qualification is an estimate based on self-reported financial information.
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Pre-Approved is a stronger commitment that involves a credit check and document verification.
​Sellers typically prefer pre-approved buyers because it shows an added level of seriousness about purchasing.
How do I know if I should refinance my mortgage?
Refinancing might be a good option if you:
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Want a lower interest rate to reduce your monthly payment?
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Need cash out for home improvements, debt consolidation, or investments
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Want to shorten your loan term to pay off your mortgage faster.
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Have an adjustable-rate mortgage (ARM) and want to switch to a fixed rate
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Want to eliminate private mortgage insurance (PMI)
​Every situation is unique - schedule a consultation to explore your refinancing options.
Can I buy land and build a home with a mortgage?
Yes! We offer a One-Time Close Construction Loan, which allows you to:
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Purchase land & finance construction in one loan
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Make interest-only payments during the build phase
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Lock in a permanent mortgage rate once the home is complete​
This is a great option if you're looking to custom-build your home without needing separate loans.
What if I am self-employed? Can I still buy a home?
Absolutely! We offer Bank Statement Loans, which let self-employed borrowers qualify using business deposits instead of tax returns.
What's the difference between a cash-out refinance and a Home Equity Line of Credit (HELOC)?
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Cash-Out Refinance - replaces your existing mortgage with new, larger loan, allowing you to take out the difference in cash.
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HELOC - works like a credit card, letting you borrower against your home's equity, as needed.
Not sure which option is best for you? Let's discuss your goals.
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