How long does it take to buy a home?

The timeline varies, but on average the process from pre-qualification to closing takes 30 to 60 days once you find a home and go under contract.

How much do I need for a down payment?

It depends on the loan type. Conventional loans may require as little as 3% down. FHA loans require 3.5%, and VA loans offer zero-down-payment options for eligible veterans.

What credit score do I need to qualify?

Most conventional loans require a minimum 620 score. FHA loans may accept scores as low as 580. VA and non-QM loans have their own guidelines. We can help you find the right program.

Should I get pre-qualified before house hunting?

Yes. Pre-qualification gives you a clear budget range and shows sellers you are a serious buyer. It takes just minutes and does not affect your credit score.

What is the difference between fixed-rate and adjustable-rate mortgages?

A fixed-rate mortgage keeps the same interest rate for the life of the loan, giving you predictable payments. An adjustable-rate mortgage (ARM) starts with a lower rate that can change after an initial period.