Loan FAQs

Pre-qualification is an estimate based on the information you provide. Final loan approval happens after verification of income, assets, credit, appraisal, and other required documentation.

Typically, self-employed borrowers will need:

• Two years of tax returns
• A current year profit & loss statement

Most mortgage loans close within 45–60 days after receiving a completed application and required documentation.

Your rate depends on several factors, including:

• Loan type
• Credit score
• Loan amount
• Property type
• Down payment

Down payment requirements vary by loan program. Some loans require a larger down payment, while others may offer low down payment options.

No. There is no fee to apply for a mortgage loan with us.

An escrow account helps cover property taxes and insurance by spreading those costs into monthly payments included with your mortgage.

Some loan programs have minimum credit score requirements. For example, many fixed-rate loans require at least a 620 credit score.*

*Credit score requirements may vary by loan program and investor guidelines.

Common documents include recent pay stubs, tax returns, bank statements, and identification. Additional documentation may be requested depending on your situation.

Yes. Getting pre-qualified early can help you understand your budget and strengthen your offer when you find the right home.

Yes. Refinancing may help lower your interest rate, change your loan term, or access home equity, depending on your goals and qualifications.

We offer a variety of mortgage solutions, including:

• Home Loans
• Construction Loans
• Home Equity Loans
• Lines of Credit
• Refinance Options