FAQs

To apply for a mortgage with me, you’ll need recent pay stubs (last 30 days), two years of tax returns, bank statements (past two months), and a valid government-issued ID. These documents help verify your income, assets, and identity. I’ll provide a detailed [Checklist] tailored to your situation to simplify the process and ensure you’re fully prepared.

The mortgage approval process typically takes 30-45 days, depending on your financial profile and loan type. However, I personally work to expedite the process by coordinating with lenders, reviewing documents promptly, and addressing any issues quickly to get you to closing faster.

A fixed-rate mortgage offers consistent payments over the loan term (e.g., 15 or 30 years), ideal for long-term stability. An adjustable-rate mortgage (ARM) starts with a lower rate that can change periodically, suiting short-term plans. I’ll assess your financial goals and market conditions to help you choose the best option. [Compare Rates] to see current offers.

Yes, you can still qualify with a lower credit score! FHA loans, for instance, accept scores as low as 580 with a 3.5% down payment, making homeownership accessible. I’ll evaluate your credit history, explore all loan options, and guide you toward the best solution.

I offer real estate agents valuable partnership benefits, including customized marketing tools, co-branded materials to enhance your brand, and dedicated support to streamline client financing. This collaboration boosts your business while ensuring clients receive top-notch service. Learn More in my For Real Estate Agents section.