Simplifying Your Path to Homeownership

We are a wholesale lender and work with over 100 lenders which means we can shop the best rate and terms. Compared to other financial institutions that only work with one lender, we have much more flexibility in finding the perfect loan solution for your unique situation.

Lenders generally recommend that your total monthly housing expenses not exceed about 28% of your gross income. Additionally, your overall debt-to-income ratio is considered to ensure that your finances can support the new mortgage along with other obligations.

While a 20% down payment is ideal to avoid PMI, many loan programs allow for lower down payments—sometimes as low as 3–5%. The right amount depends on the loan type, your financial situation, and your long-term plans.

Mortgage insurance protects the lender in case you default on your loan. It is typically required when your down payment is less than 20% of the home's purchase price. While it increases your monthly payment, it often paves the way for obtaining a mortgage sooner.

Your monthly mortgage payment typically includes principal, interest, property taxes, and homeowners insurance (PITI). Additional costs may include mortgage insurance and HOA fees. We can help you calculate these costs based on your specific situation.

The ideal mortgage depends on your financial status, credit score, down payment amount, and long-term goals. Options include fixed-rate, adjustable-rate, and specialty loans like FHA or VA loans. A lender can help you compare benefits and choose the one that fits your needs.

To determine affordability, consider your monthly income against all related expenses. Factor in mortgage payments, property taxes, insurance, and ongoing maintenance costs. A lender will also review your debt-to-income ratio to ensure you can comfortably manage these payments.

We offer a range of loan options tailored to various financial needs. These include FHA, VA, USDA, DSCR, Jumbo, Conventional, Reverse Mortgages, NonQM loans, FHA 203K, ARMs, and more. This variety allows us to match you with the best solution for your situation.

While there isn't a fixed income requirement, lenders assess your overall financial health by reviewing your debt-to-income ratio, credit score, and employment history. The goal is to ensure you can meet the monthly obligations of the mortgage.

For W-2 employees: Pay stubs from the last 30 days, W-2s and tax returns from the past 2 years, bank statements, and proof of any other income or assets.

For self-employed borrowers: Last 2 years of personal and business tax returns, year-to-date profit & loss statement, balance sheet, business bank statements for the last 12 months, and business license or CPA letter verifying 2+ years of self-employment.

Special program for established businesses: Only 1 year of tax returns required with proof of business existence for 5+ years, along with current financials and bank statements.

Additional documents may be required based on your specific situation.

On average, the mortgage process takes up to 30 days from application to closing. However, this can vary depending on various factors such as the type of loan, property type, and how quickly you provide required documentation.

Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans require 3.5% minimum, while VA and USDA loans may offer 100% financing for eligible borrowers.

Yes, and we highly recommend it! Pre-approval gives you a clear picture of your budget and shows sellers you're a serious buyer. It typically takes 1-3 days and requires basic documentation about your income, assets, and credit.

Closing costs include fees for services like appraisal, escrow and title, insurance, loan origination, pre paid interest, inspections, and more. We'll provide a detailed breakdown of all costs early in the process.