Contact David Kulick

Typically, you'll need proof of income (W-2 forms, pay stubs), tax returns, bank statements, and identification documents. Additional documents may be required based on your specific situation.

Down payment requirements vary by loan type. Conventional loans may require 3-20%, FHA loans typically require 3.5%, and VA loans may offer 0% down payment options for eligible borrowers.

Fixed-rate mortgages have a constant interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have rates that can change periodically based on market conditions.

The approval process typically takes 30-45 days, but it can vary depending on the complexity of your application and current market conditions.