Frequently asked questions

Pre-qualification is a quick, informal estimate of what you might be able to borrow. Pre-approval is stronger: I verify your income, assets, and credit, so you get a documented amount to shop with — and sellers take your offer more seriously. I recommend getting pre-approved before you house-hunt.

The easiest way is to text me or request a quick rate quote. We'll talk through your goals, and if you're ready, you can start a secure application online — no pressure.

Most purchase loans close in about 30 days, though it varies with the loan type, appraisal, and how quickly documents come together. I keep things moving and communicate every step.

There's no single number — it depends on the price, your down payment, your other monthly debts, and current rates. Lenders look at your debt-to-income ratio, not income alone. Try my affordability calculator, then we'll dial in a real number.

It varies by loan program, and some allow lower scores than people expect. A higher score usually means better terms, but don't count yourself out — if your credit needs work, I can point you in the right direction.

Closing costs are the fees to finalize your loan — appraisal, title, lender fees, and more — typically around 2–5% of the loan amount. Some can be negotiated, rolled in, or covered by seller credits.

Even a small rate change moves your payment, since interest is charged on your whole balance over many years. My payment calculator shows the difference, and as a broker I shop multiple lenders for a competitive rate.

Often, yes. Several conventional programs allow as little as 3% down, FHA goes as low as 3.5%, and VA and USDA can offer 0% down for those who qualify — plus there are down-payment assistance programs.

Conventional, FHA, VA, USDA, and jumbo loans, plus refinancing and cash-out — and specialty non-QM programs like bank statement, ITIN, and DSCR loans. See all loan options for details.

Yes — bank statement loans for the self-employed, and DSCR loans for investors that qualify on a property's rental income. See the loan options page for more.

Instead of a single bank's products, I work with many lenders and compare their rates and programs on your behalf — so you get options, not just one institution's answer.

No. Getting a quote, texting me, or using the calculators is free and no-obligation. You're never committed until you choose to move forward.