Frequently asked questions
Pre-qualification gives you a ballpark figure of how much you can borrow based on your self-reported financial info.
Pre-approval is more in-depth. Our underwriters review your credit, income, and assets, giving you a stronger, more reliable estimate. It also shows sellers you’re serious.
Not necessarily! While 20% helps avoid private mortgage insurance (PMI), many borrowers use low or even zero-down programs like FHA or VA. We’ll talk through your options so you can decide what fits your budget and goals.
That’s okay. We work with a wide range of credit profiles and can often find loan solutions that fit. Plus, our team can suggest ways to improve your score if you’re on the cusp of qualifying for better rates.
Once you’re approved for a loan and comfortable with the current market rate, we’ll help you “lock” that rate, basically reserving it for a set period (e.g., 30 or 45 days) while we finalize the mortgage. This protects you if rates rise.
We’re pros at navigating unique financial situations, from freelancers to small business owners. Our loan officers will guide you on what documentation to gather (tax returns, profit-and-loss statements, etc.) so underwriting can accurately assess your income.
Underwriting is where we verify your credit, income, and assets thoroughly. You might need to supply additional documents (like updated bank statements). Once underwriting signs off, you’re that much closer to closing day.
Fixed-rate: Your interest rate stays the same, giving you predictable payments over the life of the loan.
ARM: Starts with a lower rate for a set period, then can adjust up or down based on market conditions.We’ll talk about your goals, time frame, and risk comfort to see which suits you best.
Many local, state, and federal programs help with down payments or closing costs. If you’re a first-timer, let us know. We’ll check which programs your income and location qualify for, and explain how they can reduce your upfront costs.
You can typically refinance once you’ve built some equity or when interest rates drop. If your life circumstances change (think marriage, renovations, or sending kids to college), a refinance might free up cash or lower your payment. We handle refinances, too. Just give us a call.
You’ll have a dedicated loan officer as your main contact, plus a supportive team behind the scenes (processors, underwriters, etc.). We believe in personal relationships paired with efficient teamwork.
If the appraisal is lower than the agreed purchase price, you’ve got a few options - renegotiate with the seller, increase your down payment, or switch loan programs. We’ll walk you through each scenario so you can make the best decision.
Because we’re all about clarity, respect, and real support. We’re forward-thinking, value-driven, and deeply committed to making home loans feel less like a hassle and more like a turning point for your financial future. We’re here to empower you every step of the way.
