FAQ
Our Frequently Asked Questions section is designed to give you quick, clear answers to the most common inquiries. Whether you're just getting started or need more details, you'll find helpful information to guide you every step of the way.
How much can I afford to borrow?
our budget depends on your income, debts, credit score, and down payment. Getting pre-approved is the best way to know your exact buying power.
What is a mortgage pre-approval and why is it important?
Pre-approval is a lender’s review of your finances to determine how much you can borrow. It strengthens your offer and helps you shop with confidence.
How much down payment do I need?
Down payments vary by loan type, but many programs allow as little as 3%–5%. There are also options designed for first-time buyers with limited savings.
What credit score do I need to qualify?
Requirements vary, but most loan programs accept a range of credit scores. A higher score can help you secure better interest rates and terms.
How long does the home loan process take?
On average, it takes about 30–45 days from application to closing, depending on how quickly documents are submitted and reviewed.
What documents will I need to apply?
Typically, you’ll need proof of income (pay stubs, tax returns), bank statements, ID, and employment details to get started.