1. What does the mortgage pre-approval process look like?
The process starts with a free 15-minute consultation and a soft credit review, which does not impact your credit score. After reviewing your basic information and documents, we help identify loan options you may qualify for and outline next steps toward full approval.
2. How long does the mortgage approval process take?
Approval timelines vary depending on the loan program and your financial profile. In general, mortgage approvals can take a few days to several weeks once all required documentation is received.
3. What documents do I need for a mortgage application?
Most applications require:
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Proof of income
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Bank statements
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Identification
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Employment or business documentation
Required documents vary by loan type, and our team will guide you through exactly what’s needed for your situation.
4. How many loan options do you offer?
We have access to 50+ loan programs, including FHA, VA, conventional, bank statement, investor, commercial, and private lending options. This allows us to match borrowers with solutions beyond traditional bank loans.
5. Can I apply without reviewing my credit or income?
We start with a soft credit review and high-level financial overview so you can explore options without a hard inquiry. Full documentation may be required later depending on the loan program.
Credit scores below 500 are reviewed on an exception basis.
6. Can I get a mortgage if I’m self-employed?
Yes. We work with many self-employed and 1099 borrowers. Common income verification options include:
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12 months of personal or business bank statements
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12–24 month profit and loss statements
Program guidelines vary, and we help determine the best fit.
7. Can I get a loan without a Social Security number?
Yes. We offer ITIN and non-traditional loan programs for borrowers without a Social Security number, including foreign nationals and recent immigrants.
8. What is the minimum credit score needed to get a loan?
Some programs allow approvals with credit scores as low as 500, depending on other financial factors. Each loan program has different requirements, and we review options based on your full profile.
9. Can I get a loan to build a home from the ground up?
Yes. We offer construction and construction-to-permanent loans. Options may include:
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Conventional construction loans with low down payment options
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VA construction loans for eligible borrowers
These programs allow financing for land and construction costs for 1–4 unit properties.
10. Do you offer fix-and-flip loans?
Yes. We provide fix-and-flip financing that may cover a portion of the purchase price and renovation costs. These loans are structured based on the property, renovation plan, and experience level.
For detailed investment scenarios, our team can review options during a consultation.
Still Have Questions?
If your situation feels complex or you’ve been told “no” before, our team is here to help.
👉 Schedule a Free 15-Minute Consultation
👉 Speak With a Licensed Loan Officer
