Have Any Questions?

Start with our quick application and a soft or hard credit review. We verify income, assets, and debts to determine your budget and loan options. A strong pre-approval helps your offers get accepted. Get Pre-Approved today to see your numbers.

It depends on the loan program. Some options allow 0% down (VA), others start as low as 3% down (certain conventional/FHA options), and investor loans vary. We’ll match you to the lowest down payment option you qualify for.

Closing costs generally include lender fees, appraisal, title, recording, and prepaids (taxes/insurance). We provide a Loan Estimate (LE) so you can see everything upfront. In some cases, seller credits or lender credits can offset costs.

Purchase timelines commonly range from 2–4 weeks depending on the file. Pre-approval and quick document uploads keep things moving. We’ll give you a target date and update you at each milestone.

Yes—especially with VA loans and certain flexible programs. We also help clients build credit history and document alternative credit (e.g., rent, utilities) when appropriate. See Credit Improvement for steps.

We can use tax returns, bank statements (Bank Statement loans), 1099s, or P&L—depending on the program. We’ll review your scenario and choose the option that best reflects your income.

Multiple mortgage inquiries within a short window are typically treated as one for scoring purposes. We can also start with a soft review when appropriate.

Yes, for eligible borrowers and properties. VA loans also have no monthly mortgage insurance (PMI/MIP). A funding fee may apply but can often be financed; certain borrowers may be exempt.

VA guidelines consider the whole profile, not just a score. We’ll help you document strong recent history and address any credit hurdles.

Yes—via VA IRRRL (Streamline) for rate/term savings or VA cash-out to access equity. Ask us which option fits your goals.

A Debt Service Coverage Ratio loan qualifies primarily on the property’s cash flow (rent vs. payment), not your personal income docs. It’s popular for rental properties and portfolio growth.

Investors purchasing or refinancing rentals (including some short-term rentals) who want streamlined documentation and flexibility on property types and ownership structures.

Many DSCR programs allow title in an LLC. We’ll review vesting and program specifics for your scenario.

Instead of tax returns, we analyze recent business or personal bank statements to determine qualifying income—ideal for self-employed borrowers with write-offs that reduce taxable income.

A set of recent monthly statements, business details, and standard ID/asset docs. We’ll outline a simple checklist for you.

A HELOC is typically a second-lien line of credit you draw from as needed (often variable rate). A cash-out refinance replaces your existing first mortgage with a larger loan to access equity (often fixed rate options). We’ll compare both for you.

Common uses include debt consolidation, home improvements, investments, or emergency reserves. We’ll help you weigh flexibility, payment, and total interest.

Begin with pre-approval. We’ll estimate your budget, payment, and cash to close—then connect you with a realtor partner if needed. Ask about down-payment assistance and seller credits.

Yes—many programs allow gifts from acceptable sources. We’ll document the transfer and meet guideline requirements.

Consider refinancing to lower your rate, reduce your payment, remove PMI, shorten your term, or access cash for goals like renovations or consolidation.

Rate/term changes your rate and/or term with minimal cash back. Cash-out provides equity at closing. We’ll model both scenarios.

Often, yes—via cash-out refi or a HELOC. We’ll compare payment, timeline, and total interest so you can decide with confidence.

Many loans require one; some get appraisal waivers. If needed, we order a third-party appraisal to confirm value.

A lock secures your interest rate for a set period during processing. We’ll discuss timing so you’re protected through closing.

Typically: ID, income docs (pay stubs/W-2s or self-employed alternatives), recent bank statements, and any real estate docs (lease, mortgage statement). We’ll only ask for what’s needed and keep it simple.

You shop with confidence. Once under contract, we order the appraisal/title, finalize underwriting, and schedule closing. You’ll receive milestone updates from our team throughout.

We serve clients nationwide and are licensed in multiple states (see the site footer for the current list). If we can’t serve your state, we’ll point you in the right direction.

We’re a mortgage broker with access to multiple lenders, competitive pricing, and niche programs (VA low/no credit, DSCR, Bank Statement, HELOC, renovation, and more). We do the shopping so you don’t have to.

Click Get Pre-Approved or Book a Free Consultation—we’ll review your goals and present tailored options the same day in most cases.