Smart Financing for Your Dream Home

To qualify for a mortgage, lenders typically look at your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. We can help you understand the specific requirements and find the best mortgage option for your situation.

Pre-qualification is an initial assessment of your financial situation based on information you provide, while pre-approval involves a more thorough review of your finances, including credit checks. Pre-approval carries more weight with sellers as it shows you're a serious buyer.

The down payment required depends on the type of loan and the lender. Conventional loans typically require 5-20% down, while FHA loans may require as little as 3.5%. Some special programs offer even lower down payment options for qualified buyers.

The mortgage process typically takes 30-45 days from application to closing, but this can vary based on factors like the type of loan, the complexity of your financial situation, and the efficiency of the parties involved in the transaction.

Yes, it's possible to get a mortgage with less-than-perfect credit. While a higher credit score typically results in better interest rates, there are loan programs designed for borrowers with lower credit scores. We can help you explore your options.