The first step is to get pre-approved for a mortgage. This helps you understand how much you can afford and shows sellers that you’re serious about buying. You can start this by contacting a licensed loan officer like myself to help you get started.

 We offer a variety of loan programs to suit your needs, including Conventional Loans, FHA Loans, VA Loans, Jumbo Loans, Reverse mortgages, Non-QM Loans and more. Each loan program is designed to accommodate different financial situations and goals. 

 Our team will help you determine the best loan program based on factors like your financial situation, credit score, short term and long-term goals. We’ll review your needs and guide you toward the most suitable option. 

 Yes, there are loan programs, such as FHA Loans, that are designed to assist borrowers with less-than-perfect credit. We’ll work with you to explore your options and help you find a solution that fits your situation. 

 Pre-qualification is an initial assessment of your financial situation based on self-reported information, while pre-approval involves a more thorough review, including verifying income, assets, and credit history. Pre-approval carries more weight and shows sellers you’re a serious buyer. 

 The mortgage approval process can take anywhere from 30 to 45 days on average, but timelines can vary depending on the complexity of the loan and how quickly required documents are provided.