How do I know which loan is right for me?
The appropriate options depend on your finances, goals, property and program eligibility. Start with a conversation rather than choosing a program based on one advertised feature.
Do I have to be a first-time buyer?
No. The available options include financing for eligible first-time and repeat buyers, as well as refinancing.
How much will I need for a down payment?
That depends on the program, property, borrower and transaction. Ask the team to explain the options and other upfront costs relevant to your situation.
Is down payment assistance available?
Assistance may be available through qualifying programs, but funding, eligibility and availability vary. Ask which options may apply.
What credit score do I need?
Requirements differ by program and individual circumstances. A credit score alone does not establish approval or determine every available option.
What documents should I prepare?
Common requests include identification, income documentation and account statements. Requirements differ for employed, self-employed and fixed-income borrowers. See Homebuyer Resources for general examples.
How long does the mortgage process take?
Timing depends on the transaction, document completeness, property requirements, underwriting and closing conditions. The team can discuss the expected process for your situation.
Are an appraisal and a home inspection the same?
No. An appraisal assesses value for financing purposes. A home inspection evaluates aspects of a property’s condition. Ask which requirements apply to your transaction.
What is included in a mortgage payment?
Depending on the loan, payments may include principal, interest, property taxes, homeowners insurance and mortgage insurance. The exact structure varies.
Can I refinance my current mortgage?
Potential options depend on your existing loan, finances, property, goals and available terms. Consider costs and potential benefits before proceeding.
Does contacting you mean I am approved?
No. A website inquiry starts a conversation. Approval requires the appropriate application, review and underwriting.
How do I get started?
Use the Contact page to share your questions and request a conversation.