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Why Choose Me?
As Your Loan Officer
- Personalized solutions tailored to your goals and situation.
- Transparent communication, no surprises, just clarity.
- Weekly updates so you always know your loan status.
- Expertise with first-time buyers and self-employed clients.
- Bilingual support in English and Spanish for your comfort.
- Loan programs for every need: Conventional, ITIN, Bank Statement & more.
YOU MAY NEED TO KNOW
Frequently Asked Questions
How much do I need for the down payment?
It depends on the type of loan. It can range from 3% to 20% of the home's value. Some programs even allow 0% down.
What credit score do I need to buy a home?
With an FHA loan, the minimum required credit score is 580; with a conventional loan, the minimum is 620. Other type of loans and down payment assistance programs have different credit score requirement
What documents do I need to start the process?
It depends on your situation, but typically pay stubs, W-2s or tax returns, bank statements, and IDs are needed.
Can I qualify for a mortgage if I’m self-employed?
Yes, absolutely. We typically look at your income over the last 2 years through tax returns, bank statements, or profit and loss statements, depending on the loan program.
Can I get help with the down payment or closing costs?
Yes. There are assistance programs that offer up to 4% in down payment help. Family members can also gift funds.
How long does it take to close the loan?
On average about 30 days, but it can vary depending on each case.