It depends on the loan program, but you can buy a home with as little as 3% down (conventional) or 3.5% down (FHA). Some programs even offer down payment assistance.

For a complete application, you'll typically need: recent pay stubs, W-2s or tax returns from the past 2 years, bank statements, and ID verification. For pre-qualification, you can get started with just basic information—no documents required initially.

On average, our loans close in 21–30 days from application to closing. However, timing can vary based on factors like property appraisal scheduling and how quickly documentation is provided. We work hard to keep the process as fast as possible.

FHA loans start at 580, conventional loans typically need 620+. If your score needs work, I can connect you with trusted credit repair professionals.

Yes! First-time buyers are my specialty. I'll explain everything clearly and help you take advantage of first-time buyer programs and grants. We'll help you understand your rate options and find the best available rate for your situation.

Don't give up! I've helped many clients who were initially denied. Sometimes it's just a matter of finding the right loan program or improving one area of your application.

Absolutely! I work with many self-employed borrowers, contractors, and business owners. We have specialized programs that make sense for your situation.