Your questions, answered.
No jargon, no runaround. Just straight answers about the mortgage process from someone who does this every day.
Getting Started
What's the difference between pre-qualification and pre-approval?
How do I get started?
Do I need to have a home picked out before I talk to you?
Loan Types & Programs
What types of loans do you offer?
Can I buy a home with less than 20% down?
What if I'm self-employed or have non-traditional income?
Do you do refinances?
Credit & Qualifying
What credit score do I need to buy a home?
Will getting pre-approved hurt my credit score?
What if I have past credit issues, bankruptcy, foreclosure, or collections?
The Process
How long does it take to close on a home?
What documents will I need?
Are you a broker or a direct lender?
Will I have one point of contact throughout the process?
Costs & Rates
How do mortgage rates work?
What are closing costs?
Can closing costs be rolled into the loan?