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Pre-qualification is an estimate based on self-reported information. Pre-approval is a verified commitment based on actual documentation review and credit check. Pre-approval carries much more weight with sellers and real estate agents.

On average, we close loans in 21-30 days from application to closing. However, with complete documentation and cooperation, we've closed loans in as little as 14 days. Our streamlined process and dedicated team keep things moving quickly.

Basic documents include: recent pay stubs, W-2s from the past 2 years, bank statements, government ID, and information about your assets and debts. Self-employed borrowers will need additional documentation like tax returns. We'll provide a complete checklist.

Credit requirements vary by loan type. Conventional loans typically require 620+, FHA loans can go as low as 580 (or 500 with 10% down), and VA loans have no minimum but most lenders want 620+. We work with all credit profiles and can help you find the best option.

Absolutely! Pre-approval shows sellers you're a serious, qualified buyer and strengthens your offer. It also helps you understand your budget and avoid looking at homes outside your price range. Our pre-approval process takes just 24 hours.

Down payment requirements range from 0% to 20% depending on the loan program. VA and USDA loans offer 0% down, FHA requires just 3.5%, and conventional loans can be as low as 3%. We'll help you understand your options and any down payment assistance programs available.