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You’ll typically need: Two years of tax returns (personal & business, if self-employed) Two months of recent bank statements Recent pay stubs or income proof Copy of government-issued ID Homeowner’s insurance details (if applicable)
Pre-qualification gives a general idea of what you can afford (based on unverified info). Pre-approval means your income, credit, and assets are verified by a lender — it’s a stronger commitment and helps when making offers.
A higher credit score helps you qualify for better rates and terms. FHA and non-QM loans are available for lower scores, but rates and down payments may vary.
Closing costs usually range between 2%–5% of the loan amount and may include: Lender origination or underwriting fees Title, escrow, and recording charges Appraisal and credit report fees Prepaid taxes and insurance Broker Fees
Typically 25–45 days from application to closing, depending on how quickly documents are provided and the type of loan.
Have you any questions about our mortgage company or buy your home?
It lets you replace your current mortgage with a higher balance and receive the difference in cash great for renovations, investments, or debt consolidation.
Yes. Refinancing includes closing costs similar to a new loan, though some lenders offer “no-cost” refinance options by adjusting your interest rate slightly.
Most HELOCs have variable rates, but some lenders offer fixed-rate conversion options during the draw period.
Delays can happen due to missing documents, title issues, or appraisal delays. Keeping communication open and providing documents quickly helps prevent this.
Locking secures your rate for 30–60 days. Floating means your rate could go up or down before closing. Ask your loan officer about market trends.
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