Answers to Guide Your Journey

Every borrower is unique. We'll guide you through your options based on your financial goals, credit score, income, and homeownership plans to help you choose the loan that fits best.

Pre-qualification gives you an estimate of what you might borrow based on basic info. Pre-approval is a more detailed process that involves reviewing your credit and finances—it carries more weight when you're ready to make an offer.

Down payment requirements vary by loan type. While conventional loans typically require 5–20%, FHA loans can go as low as 3.5%, and VA/USDA loans may offer 0% down for qualified borrowers.

Yes. We work with a variety of loan programs that are designed to support borrowers with lower credit scores. We'll help you explore your options and improve your credit if needed.

On average, the process takes 30–45 days from application to closing. Timelines can vary based on documentation, appraisal, and underwriting. We’ll keep you updated every step of the way.

Generally, you'll need ID, proof of income, tax returns, bank statements, and credit information. We'll provide a full checklist tailored to your loan type during the application process.

It depends on your goals. If you want to lower your rate, change your loan term, or tap into home equity, refinancing might be a great option. We’ll help you evaluate the benefits based on your situation.

Yes, we offer loan options for second homes and investment properties. Requirements may differ from primary residences, and we’ll help you understand what to expect.