Frequently Asked Questions

We offer a comprehensive range of mortgage products including:

• Conventional loans with competitive rates
• FHA loans for lower down payment options
• VA loans for veterans and service members
• Bridge loans for transitional financing
• Reverse mortgages for seniors
• DSCR loans for investment properties
• Jumbo loans for high-value properties
• Self-Employed loans for flexible income verification
• Foreign national loans for non-resident buyers
• Pad split loans for multi-unit properties
• Short-Term Rental loans for vacation properties
• First-time homebuyer programs

Credit score requirements vary by loan type:

• Conventional Loans: Minimum 620
• FHA Loans: Minimum 500
• VA Loans: No minimum (typically 500 preferred)
• Jumbo Loans: Typically 680+

Down payment requirements vary by loan type:

• Conventional Loans: 3-20%
• FHA Loans: 3.5%
• VA Loans: No down payment

The typical mortgage process takes 30-45 days from application to closing. Factors that can affect timing include:

• Type of loan
• Property appraisal scheduling
• Documentation completion
• Underwriting review time
• Closing schedule coordination

Required documentation typically includes:

• Last 2 years of W-2s and tax returns
• Recent pay stubs (last 30 days)
• Bank statements (last 2 months)
• Government-issued ID
• Proof of additional income (if applicable)
• Rental history (if applicable)

The typical mortgage process takes 30-45 days from application to closing. Factors that can affect timing include:

• Type of loan
• Property appraisal scheduling
• Documentation completion
• Underwriting review time
• Closing schedule coordination

Required documentation typically includes:

• Last 2 years of W-2s and tax returns
• Recent pay stubs (last 30 days)
• Bank statements (last 2 months)
• Government-issued ID
• Proof of additional income (if applicable)
• Rental history (if applicable)

Closing costs typically include:

• Loan origination fee
• Appraisal fee
• Credit report fee
• Title search and insurance
• Property taxes and insurance escrow

Refinancing can offer several benefits:

• Lower monthly payments
• Reduced interest rates
• Switch from adjustable to fixed rate
• Access home equity
• Remove mortgage insurance
• Change loan terms

Closing costs typically include:

• Loan origination fee
• Appraisal fee
• Credit report fee
• Title search and insurance
• Property taxes and insurance escrow