Pre-qualification is a quick guess of how much you might be able to borrow, based on what you tell me. Pre-approval is a deeper review, where I check your credit and finances. Pre-approval gives you a better idea of how much you can borrow and is stronger when you're ready to make an offer on a home.

It usually takes about 30 to 45 days to get approved for a mortgage. It depends on how fast we get all your paperwork and if there are any problems along the way. I’ll be here to keep things on track.

Yes, you can still get a mortgage with bad credit! There are different types of loans, like FHA loans, that might work for you. I can help you find the best option for your situation.

Yes, there are programs that help first-time homebuyers. These can include things like down payment assistance or lower interest rates. I’ll help you find out which ones you can use.

Yes, a hard credit pull can lower your credit score a little, but it won’t be by much. The good thing is, being pre-approved gives you a clearer picture of your loan options, which is worth it!

Yes, there are other programs depending on your situation, like VA loans for veterans or USDA loans for homes in rural areas. I’ll help you see if you qualify for any of these.

You’ll need things like proof of income (pay stubs or tax returns), bank statements, and a photo ID. I’ll give you a full list of what we need to make it easy!

I’ll help you figure this out by looking at your income, debts, and other expenses. Together, we’ll figure out what price range works best for you.

The down payment depends on the type of loan. Some loans require only 3% to 5% down, while others may need 20%. I’ll help you find the best loan with the right down payment for your situation.

A fixed-rate mortgage means your interest rate stays the same for the whole loan. An adjustable-rate mortgage (ARM) starts with a lower rate, but it can go up after a few years. Fixed rates are good for keeping your payments the same, while ARMs may be cheaper at first but can change later.

Missing a payment can hurt your credit score and lead to late fees. If you’re having trouble paying, it’s important to reach out to me or the lender right away. We can find a solution together.

You don’t have to, but I recommend it. A real estate agent can help you find the right home, negotiate the price, and guide you through the buying process. I can help connect you with a good one if you need.

Closing costs can include things like fees for the appraisal, inspections, title insurance, and the loan itself. They usually total 2% to 5% of the home price. I’ll give you a breakdown of all the costs so you know what to expect.

The process can take anywhere from just 14 days to a few months. It depends on how quickly you find the right home and how fast we can complete the paperwork. I’ll help speed things along!

Of course! Feel free to call me anytime at 725-712-9001 with your questions. I’m here to help and make sure you understand everything along the way.