You can start by completing our secure online application or reaching out to us directly. We’ll review your finances and provide a pre-approval letter to help strengthen your offer when shopping for a home.

Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, and a valid ID. If you’re self-employed, additional documentation may be required. We’ll walk you through it step-by-step.

We recommend applying first. A pre-approval tells you exactly what you qualify for and helps you shop with confidence. Once you find the right home, you're already ahead of the process — and sellers are more likely to accept your offer.

Down payments vary by loan program — some programs allow as little as 3% down, and VA loans may require no down payment for eligible borrowers. We'll help you determine what’s right for you.

Pre-qualification is an estimate based on self-reported info. Pre-approval verifies your income, credit, and finances — giving you stronger buying power. We recommend getting pre-approved first.

Yes! We love guiding first-time buyers. We’ll help you understand your options, available programs, and the full loan process from start to finish.

Closing costs typically range from 2%–5% of the home price and include lender fees, title, appraisal, and other services. We’ll review everything with you so there are no surprises.

Most loans close in about 25–30 days, depending on the loan type and documentation. We keep communication clear to help you close on time.

Yes. Whether you want a better rate, a lower payment, or to access equity, we’ll help you explore refinancing options and see if it makes financial sense.