If you do not find your question listed below, do not hesitate to get in touch with us.
Getting pre-qualified for a mortgage is a complimentary service to help you get started on your homebuying journey. It’s a simple process to review your financial information—such as income, assets, and debts—to give you an estimate of how much you might be able to borrow. Pre-qualification doesn't involve a detailed credit check or formal application .
We can usually provide a prequalification within 24 to 48 hours once we have all the necessary information. In many cases, it can be even faster, especially if you provide your financial details promptly.
The time to close can vary, but it typically takes between 30 to 45 days from the time you submit your application to closing. We strive to make the process as efficient as possible, keeping you informed at every step.
Yes, it’s possible to get a mortgage with less-than-perfect credit. We offer various loan options for different credit situations, including FHA loans, which have more flexible credit requirements. We can help you explore your options and improve your credit to secure better terms.
Pre-Qualification: An initial assessment based on the information you provide, giving you an estimate of how much you might be able to borrow.
Pre-Approval: A more detailed evaluation where the lender reviews your credit, income, and other financial factors, giving you a conditional commitment for a specific loan amount.
Getting started is easy! Simply contact us to schedule a free consultation. We’ll discuss your financial situation, homeownership goals, and the best mortgage options for you. From there, we’ll guide you through each step of the process.
You’ll typically need to provide proof of income (such as pay stubs and tax returns), bank statements, identification, and details about your current debts and assets. Additional documents may be required depending on your financial situation and the type of loan you're applying for.
Pre-Approval: We assess your financial situation and help you get pre-approved for a loan.
Loan Application: You submit a formal application with all required documentation.
Processing: We gather and verify all necessary information, including credit checks and appraisals.
Underwriting: The lender reviews your application and decides whether to approve the loan.
Closing: You sign the final loan documents, and the funds are disbursed.
