Frequently Asked Questions

Not at all! While your credit is one of several factors we consider, you don't need perfect credit to qualify. In fact, some FHA loan programs accept credit scores as low as 500, depending on other qualifications.

No, you don't! While 20% down can help you avoid mortgage insurance, many loan programs allow qualified buyers to purchase a home with as little as 3% down.

Yes! A common misconception is that pre-qualification is enough—especially in a competitive market. However, a pre-approval carries more weight. You can't get a real pre-approval without credit and documentation. It shows sellers you're a serious, vetted buyer. My pre-approval process is designed to give you an edge, making your offer stand out.

Yes, there are some costs to keep in mind. While there's no fee to start your application or receive a pre-approval (if qualified), you should plan ahead for potential out-of-pocket expenses. These may include closing costs, an appraisal, title insurance, and other fees depending on your loan type. In some cases, sellers may cover part or all of your closing costs. Reach out to discuss your specific situation so you know exactly what to expect.

I can help you figure that out! We'll review key factors like your income, credit score, and employment history to determine what you qualify for. From there, you can decide on a mortgage amount that aligns with your long-term financial goals. I'm here to help you understand what you can comfortably afford and guide you through the process with confidence.

An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.

Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.

The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let's talk!

Please don't hesitate to give me a call. This is one of the biggest purchases of a lifetime, and I believe in the importance of educating and arming my borrowers with as much knowledge as possible to comfortably and confidently purchase your dream home.