Frequently Asked Questions

Generally we require income, assets and credit history.  Some programs require may require additional documentation.  

Yes.  We have a wide variety programs  up to $3 Million to choose from and will design a personalized loan based on your individual needs at competitive rates. 

We usually close (or have you ready to close) in 10-14 days so long as you are responsive to our requests for information and documentation.  More complicated files (government loan programs, credit, income or job history) can take 30-60 days. Rural areas may take longer due to appraiser availability..

Never!

Yes.  Generally the only upfront fee is the cost of the appraisal which is paid directly to the appraisal management company usually by credit or debit card. Costs usually range from $500-$700 depending on the type of appraisal, size of home and your home's location.  We will provide an exact quote within 3 days of application.

We will provide you a detailed Loan Estimate within 3 days of application outlining all fees associated with your loan.  Be sure to ask us about low cost and no cost options.

Usually yes.  It will depend on the exact circumstances, loan type and down payment.  Give us a call or apply online and we'll be happy to review your options.

Yes.  If you have at least 25% down and a 640 credit score, we have the perfect program for you.  Very reasonable rates and loan amounts to $3,000,000.

Yes.  We understand buying your first home can be stressful, but don't worry we'll walk you through process and help you the whole way through!  We offer several programs specifically designed for first time home buyers and lower income borrowers.