Mortgage questions, answered plainly.

No. The 20-minute strategy call is free, and there is no hard credit pull until you decide to move forward with a pre-approval.

Pre-qualification is a quick estimate based on what you tell me. Pre-approval means I have verified income, assets and credit, and an underwriter has reviewed the file. Sellers take pre-approvals far more seriously.

Usually 24 to 48 hours once I have your documents. Simple W-2 files are often same-day.

I am a licensed mortgage loan originator. That means I can compare pricing and programs across several wholesale lenders instead of offering one bank's products (demo description).

FHA can work from 580, most conventional loans start around 620, and VA lenders typically look for 600 or higher. Better scores unlock better pricing, and I can share a plan to improve yours.

It can be 0% with VA or USDA, 3% with conventional first-time buyer programs, or 3.5% with FHA. Plan for closing costs of roughly 2% to 4% too, which seller credits can often cover.

Yes, for primary residences on most programs. We need a signed gift letter and a paper trail showing the transfer.

Lender fees, appraisal, title insurance, recording fees, and prepaid items like homeowners insurance and property tax escrows. I send a line-by-line estimate before you apply.

Most purchases close in 21 to 30 days. USDA and some condo purchases take closer to 35 to 45 days.

Yes. You have my cell number, and my processor Jasmine sends a status update every Friday until closing.

Usually once you are under contract. We choose a lock period that covers your closing date, and I will tell you if a float-down option is worth it.

Do not open new credit, finance furniture, change jobs, or move large sums of cash without talking to me first. Each can change your approval.

Yes. With two years of history you may qualify with tax returns, or with a bank statement loan that uses deposits instead of taxable income.

Yes. Entitlement is restored when a VA loan is paid off, and you may have enough remaining entitlement to hold two VA loans at once.

Yes. DSCR investor loans can qualify vacation rentals near the parks using market rent data or booking history, and you can close in an LLC.