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Connect with a local expert to start the pre-approval process.
Your pre-approval letter lets sellers know you are serious.
Clear loan conditions, sign docs, and get the keys.
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Straight answers to the most common home loan questions.
How long does pre-approval take?
With our trusted local lenders, many buyers receive their pre-approval within 1–2 business days after providing the necessary information.
Do I have to choose a loan today?
No. A lender explains your options so you can decide when you’re ready.
What is a conventional loan?
A conventional loan is a mortgage that is not backed by any government agency. It typically requires a higher credit score and a larger down payment compared to government-backed loans like FHA or VA.
What is an FHA loan?
An FHA loan is a mortgage insured by the Federal Housing Administration. It allows for lower credit scores and down payments, making it ideal for first-time homebuyers.
What is a VA loan?
A VA loan is a mortgage backed by the U.S. Department of Veterans Affairs. It’s available to eligible service members, veterans, and certain military spouses. VA loans often require no down payment and offer competitive interest rates.
What does debt-to-income ratio (DTI) mean?
Your debt-to-income ratio compares your monthly debt payments to your gross monthly income. Lenders use DTI to assess your ability to manage monthly payments. Most lenders prefer a DTI of 36% or lower when approving mortgage loans.
What is loan-to-value ratio (LTV)?
The LTV ratio compares your loan amount to the value of the property. For example, if you borrow $200,000 to buy a $300,000 home, your LTV is 66.6%. Lower LTVs improve your chances of loan approval and may lead to better terms.
What is a down payment in real estate?
A down payment is the upfront portion of the home's purchase price that you pay out of pocket. The remaining amount is typically financed through a mortgage.
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