Your biggest purchase, done right.

A pre-qualification is a quick, informal estimate of what you might be able to borrow based on details you share. A pre-approval goes further: we verify your income, assets, and credit, so you get a stronger, more reliable number that sellers take seriously. If you're house-hunting, a pre-approval helps your offer stand out.

It depends on the loan program. Minimum down payments vary widely, and buyers are often surprised how low they can be. Government-backed programs like VA and USDA have the most flexible down-payment requirements for those who qualify. A larger down payment can lower your monthly payment and may help you avoid mortgage insurance. Your loan officer can show you the exact numbers for your situation.

There's no single magic number. Different programs have different guidelines, and your score is only part of the picture alongside income, debts, and down payment. Many buyers are surprised they qualify. If your credit isn't where you'd like it, we can suggest steps to strengthen it before you apply.

Every file is different, but many purchase loans close within a few weeks of a fully signed contract. Timelines depend on factors like appraisal scheduling, document turnaround, and underwriting. The fastest way to keep things moving is to respond quickly when your loan officer requests documents.

In addition to your down payment, you'll typically have closing costs (things like appraisal, title, taxes, and lender fees) plus prepaid items such as homeowner's insurance and property taxes. We'll give you a clear breakdown up front through a Loan Estimate, so there are no surprises at the closing table.

Absolutely. Self-employed borrowers qualify for home loans every day; the documentation just looks a little different, often including tax returns and business records. Our loan officers work with self-employed buyers regularly and can tell you exactly what to gather.

A VA loan is a mortgage partially guaranteed by the U.S. Department of Veterans Affairs, with benefits like flexible down-payment requirements and no monthly mortgage insurance for those who qualify. Most VA loans include a one-time VA funding fee, which can usually be financed into the loan and is waived for certain veterans, such as those receiving VA disability compensation. Eligibility generally includes veterans, active-duty service members, and certain surviving spouses. As VA specialists, we'd be honored to help you use this benefit. Connect with a VA-savvy loan officer.