Mortgage questions, answered.

FHA loans are government-backed with lower credit and down-payment requirements, while conventional loans often cost less over time for buyers with stronger credit. We'll compare both against your actual numbers.

VA loans are backed by the Department of Veterans Affairs and offer 0% down payment, no monthly mortgage insurance (PMI), and competitive interest rates for eligible active-duty service members, veterans, and surviving spouses.

USDA loans are designed for rural and suburban home buyers. They offer 100% financing (0% down) and lower interest rates. Eligibility is based on both the property location and household income limits.

You need a jumbo loan if the amount you need to borrow exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans typically require higher credit scores and larger down payments.

The right program depends on your credit score, down payment budget, and personal financial goals. We'll run side-by-side comparisons of all eligible programs to help you make an informed decision.

Lenders determine interest rates based on market factors (bond markets, inflation) and individual factors (your credit score, down payment size, loan term, and occupancy type).

Closing costs typically range from 2% to 5% of the loan amount. They cover title insurance, appraisal, escrow fees, underwriting, and prepaids like property taxes and homeowners insurance.

Conventional home loans allow down payments as low as 3% for first-time home buyers and 5% down for repeat home buyers. FHA loans start at 3.5% down, while VA and USDA loans offer 0% down for eligible borrowers.

Paying discount points (prepaid interest) lowers your rate and monthly payment. It makes sense if you plan to keep the loan long enough for the monthly savings to recover the upfront cost of the points.

Yes, you can lock your rate once you have an accepted contract on a home. A rate lock guarantees your interest rate for a specific period (typically 30 to 60 days) while your loan is processed.

We treat your clients like our own — fast pre-approvals, clear communication, and on-time closings so your deals stay on track. You get a reliable lending partner, not a bottleneck.

We can typically issue a pre-approval letter within 24 hours of receiving the buyer's completed application and required financial documents.

Absolutely. We send milestone updates at every key stage of the loan process so you and your buyers are always informed.

Yes, we partner with agents to host educational homebuyer seminars, workshops, and co-branded marketing events.

You can introduce us via email, text, or have your client contact us directly. We will take it from there and keep you updated.