FAQs

We base this on your income, credit score, debts, and down payment.

For conventional loans we prefer a score of at least 620, but some of our loan programs allow lower scores.

Pre-qualification gives an estimate of what you might borrow, while pre-approval is a more detailed process that confirms your loan eligibility.

It depends on the loan type—FHA loans require as little as 3.5%, while conventional loans often require 5-20%.

Common options include conventional, FHA, VA, and USDA loans, each with different requirements and benefits. We have a wider range of home loan options to help each individual homebuyer’s needs. Check our home loan options here.

Your rate depends on your credit score, loan type, market conditions, and down payment.

Closing costs include fees for the loan, appraisal, and title services, typically ranging from 2% to 5% of the home’s price.

Most lenders take 30-45 days, but our streamlined process can close loans in as little as 15 days—depending on how quickly we receive your documents.

Yes. We will consider your debt-to-income ratio to ensure you can afford the mortgage.

While not always required, a home inspection helps uncover potential issues before you buy.