How long does the mortgage process take?
Typically 30-45 days from application to closing. With pre-approval, you can shop confidently and close faster.
What credit score do I need?
It varies by loan type. FHA loans accept scores as low as 580, while conventional loans typically need 620+. I can help even with imperfect credit.
How much do I need for a down payment?
Down payments range from 0% (VA loans) to 3% (conventional) to 3.5% (FHA). I'll find the best option for your budget.
Do you charge any fees?
Consultations are always free. Loan fees are competitive and fully disclosed upfront — no surprises, ever.