Starting is straightforward. Completing our online mortgage application takes about 15 minutes and provides us with essential information to explore suitable loan options for you. If you're uncertain about any details, don't worry—we'll follow up with a call to review everything together.​

Not necessarily. We offer various loan programs that require less than 20% down, and some may even offer zero down payment options, depending on your eligibility. Feel free to contact us to discuss the options available to you.​

Improving your credit score involves several steps:​ Consider opting out of unsolicited credit offers to reduce inquiries. Ensure all payments are made on time; even a single late payment can significantly impact your score. Maintain low credit utilization—ideally, keep balances below 25% of your available credit limit. If you need personalized advice on managing your credit, we're here to help.​

Typically, you'll need to provide proof of income, asset statements, and identification, such as a driver's license. After submitting your application, we'll send you a customized list of required documents based on your specific loan type. If you're unable to provide certain documents, we can often assist in obtaining them or suggest alternatives.​

Closing costs encompass various fees, including appraisal fees, title insurance, attorney fees, prepaid interest, and documentation charges. These costs can vary based on the mortgage type, property location, and other factors. We'll provide you with detailed estimates for different loan programs to help you make an informed decision.​

The interest rate represents the cost of borrowing the principal loan amount, directly affecting your monthly payment. The Annual Percentage Rate (APR) includes the interest rate plus additional costs or prepaid finance charges, offering a broader view of the loan's total cost. While the interest rate determines your monthly payment, the APR helps you compare the overall cost of different loan options.​

Down payments can come from various sources, but the funds must be verifiable. Common sources include savings, gifts from family members, or other documented assets. It's essential that these funds have been in your account for a certain period, typically at least 60 days, to be considered "seasoned."​