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Common Questions
Most Popular Questions
Pre-qualification gives you a general idea of what you might qualify for based on basic info, while pre-approval is a more in-depth review resulting in a conditional commitment giving you a stronger edge when making offers.
Refinancing can be a smart move to save money. Consider it if you can secure a lower interest rate, reduce your loan term, switch from an adjustable to a fixed rate, or consolidate debts. Calculating your break-even point the time when your savings outweigh your costs can help guide your decision.
A rate lock is an agreement that fixes your interest rate for a specific period. It typically includes the loan program, rate, points, and the lock duration giving you peace of mind while you finalize your home purchase.
A mortgage broker shops multiple wholesale options, handles your application, and assembles your package (paperwork, credit, etc.). The lender reviews your documents to underwrite and fund the loan.
Yes! You’ll need to provide proof of income, such as tax returns and financial statements, to qualify.
A fixed-rate mortgage keeps your interest rate and payments consistent throughout the term, while a variable-rate mortgage may change based on market interest rates.
The amount depends on your mortgage type and lender requirements. Some programs allow as little as 5% down, while others may require 20% or more for better rates.
Yes, many lenders allow early payments, but some may have prepayment penalties. We’ll help you choose a mortgage with flexible payment options.
On average, it takes 2–4 weeks, depending on your financial situation, required documents, and the lender’s processing time.
Closing costs are expenses you pay when finalizing your mortgage, including appraisal fees, legal fees, and taxes. These typically range from 2% to 5% of the home’s price.
Customizable loan options tailored to your goals
We offer plans designed to adapt to your unique needs, ensuring the right fit for your financial situation.
Payment Questions
Most Popular Questions
We accept bank transfers, online payments, debit/credit cards, and certified checks.
Yes, you can make extra payments to reduce your principal and pay off your loan faster.
It depends on your loan type. Some mortgages may have prepayment penalties; we’ll clarify this before you commit.
Most loans require monthly payments, but we also offer bi-weekly and weekly options.
Yes, in many cases you can adjust your payment frequency to better suit your budget.
You can set up auto-pay through your bank or our secure online portal.
Missing a payment could result in late fees or affect your credit score. Contact us immediately if you anticipate a delay.
Yes, many lenders allow split payments, which can make budgeting easier.
Your payment history is available through your online account or by contacting customer service.
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