The first step is getting pre-approved. This involves a review of your financial information, after which we’ll provide you with a pre-approval letter indicating the amount you may be eligible to borrow.

Choosing the right mortgage depends on several factors, including your long-term financial goals, the amount of money you can afford for a down payment, and how long you plan to keep your home. We offer personalized consultations to help you select the best mortgage option for your situation.

A fixed-rate mortgage has a constant interest rate and monthly payments that never change, which is best for those who plan on staying in their homes for a long time. An adjustable-rate mortgage usually starts out with a lower interest rate than fixed-rate mortgages but can change periodically depending on changes in the interest rate environment

Absolutely! There are several programs available for buyers with a low down payment. We can discuss these options during our consultation to find one that suits your financial needs

Closing costs vary by location and the type of property but generally include fees related to the origination and underwriting of the loan, home appraisal, credit report, and attorney services. We provide a detailed breakdown of all costs well before closing so there are no surprises.

To prepare for your loan application, gather all necessary documentation, including your recent pay stubs, tax returns, bank statements, and any other relevant financial documents. This will expedite the review process and help us get you to closing faster