What credit score do I need to buy a home?
It depends on the loan type. FHA loans can go as low as 580 with 3.5% down. Conventional loans typically require 620+. VA loans have no official minimum. We'll review your full picture and find the best path forward.
What's the difference between a mortgage broker and a bank?
A bank only offers its own products. As a broker, we work with multiple lenders to find the best rates and terms for your specific situation — giving you more options and better outcomes.
Do I really pay zero lender fees?
Yes — we charge no origination fees or lender fees on any loan program. There are still standard third-party closing costs (title, appraisal, etc.) but you'll never pay us a fee to originate your loan.
How long does it take to close on a home?
Most purchases and refinances take 2–3 weeks due to our streamlined process. Basically, once the appraisal is in, we are ready to get our clear to close.
Can I get pre-approved before I find a house?
Absolutely — and we strongly recommend it. A pre-approval letter shows sellers you're serious and helps you understand exactly what you can afford. It's free and fast.
Do you help self-employed borrowers or real estate investors?
Yes. We have bank statement loans, DSCR programs for investors, and other non-QM options for borrowers whose income doesn't fit a traditional W-2 mold.
