Smart moves start
with good information.

Less than you might think. Conventional loans can start at 3% down, FHA at 3.5%, and VA at 0% for eligible veterans. First-time buyers may also qualify for down-payment assistance and grants. Use our down payment planner to set a savings target.

It varies by program. FHA loans can work with scores from 580 (sometimes 500 with 10% down), while conventional loans typically want 620+. Higher scores unlock better rates. If you're not there yet, we'll map a plan to improve your score before you lock.

Our average is around 18 days from contract to close, thanks to digital document upload and proactive processing. Some loans close even faster; complex files may take a bit longer. We'll set clear expectations up front.

Pre-qualification is a quick estimate based on information you share. Pre-approval is a stronger, verified review of your income, assets, and credit — and it makes your offer far more competitive. We can usually issue a pre-approval within 24 hours.

Never. Consultations, payment estimates, and rate strategy calls are always free and no-obligation. You only ever pay standard loan costs if and when you choose to move forward.

Absolutely — it's a specialty. We work with bank-statement programs, DSCR loans for investors, and other options designed for business owners and non-traditional income. Bring us your scenario and we'll find the path.

There's no one-size answer. You can buy now and refinance later if rates fall ("date the rate, marry the house"), but only if the payment fits your budget today. We'll run the real numbers for your situation so the decision is yours — informed, not pressured.