Frequently Asked Questions

You can get pre-approved in minutes by completing our online Loan Finder Wizard. We'll review your basic information and credit score to give you a preliminary decision. For a deeper walkthrough, see our complete pre-approval guide.

Typically, you'll need recent pay stubs (30 days), W-2s (2 years), bank statements (2 months), and a photo ID. Self-employed borrowers may need tax returns. If you’re thinking about changing jobs after mortgage approval, talk to us first — it can affect your file.

Our average closing time is 21 days, compared to the industry average of 45+ days. We work quickly to get you into your new home — see how the loan process works step by step.

It depends on the loan type. FHA loans require 3.5%, conventional loans can be as low as 3%, and VA loans/USDA loans offer 0% down payment financing.

Yes, we have options for credit scores as low as 580 (FHA). We also offer credit repair advice to help you qualify for better rates. If your credit score dropped before closing, here’s what to do.

A Jumbo loan is for loan amounts that exceed the conforming limit (currently around $832,750 for most areas). These require slightly higher credit scores and down payments. Run your scenario through our DTI calculator to see if you qualify.