Question 1

How long does pre-approval take?

Accepted Answer

Most pre-approvals are completed within 24 hours of receiving your documents. We streamline the process so you can start shopping with confidence right away.

Question 2

What credit score do I need?

Accepted Answer

This depends on the loan program. Conventional loans typically require 620+, FHA starts at 580, and VA loans can be flexible. We'll review your full picture — not just the score.

Question 3

How much do I need for a down payment?

Accepted Answer

Down payments can be as low as 0% for VA loans, 3% for conventional, and 3.5% for FHA. We'll help you explore down payment assistance programs that may reduce this further.

Question 4

When should I talk to a lender?

Accepted Answer

The earlier, the better. Even if you're 6–12 months out, an early conversation helps us plan your strategy, improve your positioning, and avoid last-minute surprises.

Question 5

How fast can we close?

Accepted Answer

We regularly close loans in 21 days or less. Our streamlined process and proactive communication with all parties keeps timelines tight.

Question 6

What documents are required?

Accepted Answer

Typically: 2 years of tax returns, recent pay stubs, 2 months of bank statements, and a valid ID. We'll provide a complete checklist tailored to your specific situation.