Frequently asked questions

A mortgage broker works as an intermediary between you and multiple lenders, shopping around to find you competitive rates and terms. Unlike a bank that only offers their own products, we have access to thousands of underwriters, many different loan programs, and aren't captive to just one lender. This gives you ultimate flexibility and often better rates than going direct.

The short answer is yes—we are like any other retail business where margin is built in. However, we get access to wholesale rates and apply less of a margin since we are extremely operationally efficient, tech-savvy, don't have fancy offices, sales teams, or excessive overhead. This means you often end up with better pricing than going direct to a lender.

Our services are typically free to you as the borrower. We are compensated by the lender when your loan closes. We never charge application fees or rate quote fees, and we're always transparent about any costs involved.

The mortgage process can take a matter of days for some, and for others it can be a journey over years. We move as quickly as you need or at a slower pace if you're just starting out. For those beginning their journey, we're here to help from the initial conversation to a future refinance years down the line. If you have a property under contract and need a quick closing, we've closed in as few as six days and can move very, very quickly.

Credit score requirements vary by loan program. Conventional loans typically require a 620+ score, while FHA loans may accept scores as low as 580. We work with all credit profiles and can use our knowledge, resources, and relationships to help you figure out how to improve your credit profile if needed.

Down payment requirements depend on the loan type. Conventional loans can go as low as 3%, FHA loans require 3.5%, and VA loans offer 0% down for eligible veterans. We also have access to loans that offer 100% financing as well as grant programs that can help cover your down payment. We'll help you find the best program for your situation.

Generally, you'll need recent pay stubs, W-2s or tax returns from the past two years, bank statements, and identification. Self-employed borrowers may need additional documentation. We'll provide a complete checklist based on your specific situation.

Absolutely! Getting pre-qualified is a smart first step. It shows sellers you're a serious buyer, helps you understand your budget, and can speed up the closing process once you find your home.

The CFPB notes that lenders use these terms differently, so what matters most is the thoroughness of the review. As a mortgage broker, we provide comprehensive pre-qualifications where we verify your income, assets, and credit upfront—the same rigorous process many lenders call a "pre-approval." Only lenders can issue formal pre-approvals since they make the final lending decision, but our thorough pre-qualifications carry significant weight with sellers.

Yes! We help homeowners refinance to lower their rate, reduce their monthly payment, change their loan term, or tap into their home equity. If you purchase with us, we'll watch the market for you and reach out when there's a legitimate opportunity that makes sense—not like other lenders who reach out instantly with aggressive, misleading offers.

We believe in full transparency. We'll screen share real rate options for your scenario so you can see exactly what's available. We never push higher rates to make more money—our goal is to find you the best deal possible.

We are licensed to serve borrowers in multiple states. Visit our Service Areas page or contact us directly to confirm we can help in your location.

We're available 24/7! You can call or text us directly, schedule a meeting through our website, or send us a message through our contact form. We pride ourselves on fast, responsive communication.

Closing costs typically range from 2-5% of the loan amount and include fees for appraisal, title insurance, attorney fees, and prepaid items like taxes and insurance. We'll provide a detailed estimate early in the process so there are no surprises.