With our streamlined digital intake and dedicated underwriting team, most borrowers receive a fully verified pre-approval letter within 24 to 48 hours of submitting their primary financial documentation.

We offer programs for a wide range of credit profiles. Conventional mortgages generally require a minimum score of 620, while FHA and VA programs can often accommodate scores starting at 580 with competitive rate terms.

Our Rate Lock Commitment shields you from sudden market spikes during your home search or escrow period. If market rates drop prior to final approval, our Float-Down option lets you capture the lower rate without extra fees.

No. Conventional purchase programs start at as little as 3% down for first-time buyers, FHA loans require 3.5%, and eligible VA loans offer 0% down payment options with no monthly mortgage insurance penalties.

Typically, you will need your two most recent tax returns, W-2 statements, recent paystubs covering 30 days, two months of bank statements, and a government-issued photo ID. Self-employed borrowers may provide 1099s or P&L statements.

Closing costs typically average 2% to 4% of the loan amount and include appraisal fees, title insurance, and prepaid escrows. Depending on your loan structure, these costs can often be offset through lender credits or negotiated seller concessions.

PMI is required on conventional loans when putting down less than 20%. Under federal law, PMI can be requested for cancellation once your loan balance reaches 80% of your home's original appraised value, and automatically terminates at 78%.

Our average closing timeline is 18 to 21 business days, compared to the industry standard of 40+ days. Our proactive processing model ensures appraisals and title clear swiftly to meet strict closing deadlines.