To qualify for a loan, you need a stable income, good credit, and a manageable debt-to-income ratio.

It's possible but challenging. Lenders prefer a credit history to assess risk.

Prequalification is an estimate; preapproval is a commitment from a lender after a thorough review.

We offer various loans, including conventional, FHA, VA, and more. We'll help you find the best fit.

Your borrowing capacity depends on your income, credit, and the lender's guidelines.

We'll assess your financial situation to recommend fixed-rate, adjustable-rate, or other options.

Your credit score should meet the lender's minimum requirements for approval.

Interest rates fluctuate. We'll provide the current rate during your application.

The down payment varies, but it's typically around 3% to 20% of the home's purchase price.

Yes, there are government and local programs to help with down payments.

Closing costs include fees for services like appraisal, title insurance, and attorney fees.

Approval times vary, but it can take a few weeks. We'll work to expedite the process.

Common documents include pay stubs, bank statements, and tax returns.

Fixed-rate offers stability; adjustable-rate has lower initial rates but can change over time.

Contact us immediately; we can discuss options to prevent late fees and foreclosure.

We'll assess your financial situation to recommend fixed-rate, adjustable-rate, or other options.