We determine your affordability based on your income, credit score, debt-to-income ratio, and down payment. Getting pre-approved is the best first step, as it gives you a clear idea of your budget and strengthens your offer when house hunting.

We offer a variety of loan programs, including conventional, FHA, VA, and USDA loans. The right option depends on your financial situation, down payment, and long-term goals. We’ll guide you through the best choices tailored to your needs.

Down payments vary by loan type—conventional loans typically require 3-20%, FHA loans start at 3.5%, VA and USDA loans offer 0% down for eligible buyers. We’ll help you explore down payment assistance programs if needed.

Your monthly payment includes principal, interest, property taxes, homeowner’s insurance, and possibly mortgage insurance. We’ll provide a detailed estimate based on your loan amount, interest rate, and local tax rates.

The process typically takes 30-45 days, but it can vary based on loan type and required documentation. Getting pre-approved early helps speed up closing and ensures a smoother experience.