Question 1

What types of loans do you offer?

Accepted Answer

I work with FHA, VA, USDA, Conventional, Jumbo, and Non-QM (DSCR, Bank Statement, Condo, HELOC) loans — helping you find the program that best fits your needs.

Question 2

Do I need perfect credit to qualify for a mortgage?

Accepted Answer

No. Many programs are available for buyers with lower credit scores, including FHA and VA loans. I’ll guide you to the right option for your situation.

Question 3

How much do I need for a down payment?

Accepted Answer

Down payments vary depending on the loan type. Some programs allow 0% down (VA and USDA), FHA loans start at 3.5%, and Conventional loans can start as low as 3%.

Question 4

Can I get pre-approved before I start looking for a home?

Accepted Answer

Yes! In fact, getting pre-approved is the best first step. It helps you understand your budget and makes your offer stronger when you find the right home.

Question 5

How long does the mortgage process take?

Accepted Answer

On average, 30–45 days from application to closing, but timelines can vary depending on the loan type and how quickly documents are provided.

Question 6

Do you work with first-time homebuyers?

Accepted Answer

Absolutely! I love helping first-time buyers understand the process step by step. I’ll explain everything clearly and make sure you feel confident.

Question 7

What states are you licensed in?

Accepted Answer

I’m currently licensed in Florida, Alabama, Georgia, Tennessee, and Louisiana.

Question 8

Can I refinance my current mortgage with you?

Accepted Answer

Yes, I help clients with both home purchases and refinances. Refinancing may lower your rate, reduce your monthly payment, or help you tap into home equity.

Question 9

What documents will I need for a mortgage application?

Accepted Answer

Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, a photo ID, and information about any debts or assets. If you’re self-employed, additional documents like profit & loss statements may be required.

Question 10

What’s the difference between pre-qualification and pre-approval?

Accepted Answer

Pre-qualification is an initial estimate of how much you may qualify for, based on basic info. Pre-approval is a deeper review of your finances and credit, giving you a stronger position when making an offer on a home.

Question 11

Can I buy a home if I’m self-employed?

Accepted Answer

Yes! There are special loan programs, like Bank Statement or DSCR loans, designed for self-employed borrowers and investors. These allow more flexibility in verifying income.

Question 12

Should I wait for rates to drop before buying?

Accepted Answer

Not necessarily. Rates change often, and while refinancing later is an option, waiting too long could mean missing the right home. I’ll help you weigh the pros and cons for your unique situation.

Question 13

What are closing costs, and how much should I expect?

Accepted Answer

Closing costs usually range from 2–5% of the home’s purchase price. They cover items like appraisal, title, insurance, and lender fees. I’ll explain these clearly upfront so there are no surprises.

Question 14

Can I refinance or get a HELOC with you?

Accepted Answer

Yes! I help clients with both refinances and home equity lines of credit. These options can save you money or give you access to funds when you need them.

FAQ

Frequently asked questions