Mortgage
solutions for
everyday people.

It depends on the loan program. FHA loans allow scores as low as 580 with 3.5% down, and some programs go as low as 500 with 10% down. Conventional loans typically require a 620 or higher. VA loans have no official minimum, though lenders often look for 580+. We work with a wide range of credit profiles — contact us and we'll find the right fit.

Less than you might think. FHA loans start at 3.5% down, conventional loans can go as low as 3%, and VA loans require zero down payment for eligible veterans. We also offer Down Payment Assistance programs that can cover your down payment and closing costs entirely.

Pre-qualification is a quick estimate based on self-reported information — useful for ballpark budgeting. Pre-approval is a verified review of your income, assets, and credit, and carries much more weight with sellers. We recommend getting pre-approved before you start shopping so you can move fast when you find the right home.

Most purchases close in 21–45 days from application. Refinances can be faster. The timeline depends on how quickly documents are submitted, appraisal scheduling, and underwriting. Our team works to keep things moving and will keep you updated every step of the way.

Typically: two years of tax returns and W-2s, recent pay stubs (30 days), two months of bank statements, a government-issued ID, and information on any current debts or assets. Self-employed borrowers may need additional documentation. We'll give you a personalized checklist when you start your application.

Yes. We offer Non-QM (Non-Qualified Mortgage) programs specifically designed for self-employed borrowers, freelancers, investors, and those with non-traditional income. Bank statement loans, asset-based loans, and ITIN loans are all available. Don't assume you won't qualify — let us review your situation.

Closing costs typically range from 2%–5% of the loan amount and include lender fees, title insurance, appraisal, escrow, and prepaid items like homeowner's insurance and property taxes. We'll provide a detailed Loan Estimate early in the process so there are no surprises.