Conventional loans are not insured by the government and usually require higher credit scores. Government-backed loans (like FHA, VA, or USDA) have specific benefits and lower down payment requirements but must meet eligibility guidelines.

Minimum credit score requirements vary by loan type. FHA loans typically allow scores as low as 580, while conventional loans usually require 620 or higher for approval.

Closing costs are fees related to your loan, title, and home purchase process. They typically range from 2%–5% of the home’s purchase price and include items like lender fees, title insurance, and taxes.

Yes! We offer several programs that can benefit first-time buyers, including low down payment options, down payment assistance, and special loan products.

The average mortgage process takes about 30 days from application to closing, but it can vary depending on the loan type, documentation, and appraisal timelines.

You’ll typically need your two most recent pay stubs, two years of W-2s, two years of tax returns (especially if self-employed), bank statements, and a valid ID. Additional documentation may be required based on your specific situation.

Once you receive your pre-approval letter, find a realtor and start shopping!

Click here to prequalify, once submitted a loan officer will contact you as soon as possible.