The amount of down payment required depends on the loan program and your individual situation. We offer options starting at 0% down for eligible VA borrowers, as well as programs that may help with down payment assistance. Many conventional loan programs also allow much lower down payments than most people expect. If saving for a down payment has been holding you back, let's talk. You may have more options available than you realize.

Credit score requirements vary depending on the loan program, your down payment, and other factors in your financial profile. While some programs allow for lower credit scores, a higher score may help you qualify for more favorable loan terms and interest rates. The good news is that you don't need perfect credit to buy a home. We work with a wide range of borrowers and can help you understand which loan options may be available based on your individual situation. If you're unsure whether your credit is ready, we're happy to review your options and help you create a plan to move forward.

In many cases, we can issue a pre-approval within 24 hours of receiving your completed application and supporting documentation. The timeline can vary depending on the complexity of your financial situation and how quickly documents are provided. To make the process as smooth as possible, we'll let you know exactly what we need upfront and keep you informed every step of the way. If you're planning to start house hunting soon, we recommend getting pre-approved early so you're ready when the right home comes along.

Yes, many loan programs allow gift funds to be used for all or part of your down payment and closing costs. Gift funds are commonly provided by family members, and the specific requirements depend on the loan program and your overall financing structure. If you plan to receive a gift, we'll help ensure the funds are documented properly and guide you through any requirements along the way. Every situation is unique, so we'll review your loan scenario and explain exactly how gift funds can be used in your transaction.

Yes. In fact, we recommend it. Getting pre-approved before you begin your home search helps you understand your budget, strengthens your offer when you find the right property, and can help identify any issues early in the process. A pre-approval gives you confidence while shopping and allows you to move quickly when the right opportunity comes along.

A mortgage broker gives you access to multiple lenders rather than a single bank's loan programs. This allows us to shop for competitive rates and financing options on your behalf while providing personalized guidance throughout the process. Our goal is to help you find the loan solution that best fits your financial goals and circumstances.