Frequently Asked Questions
Quick answers to common questions. Still have questions? Reach out anytime.
General
It depends on the loan type. FHA allows scores as low as 580. Conventional typically starts at 620. I'll find options for your specific profile.
As little as 3.5% with FHA, 0% with certain programs. Let's review your situation together.
Most loans close in 21–30 days. I'll give you a realistic timeline on our first call.
Absolutely. I specialize in flexible documentation options for business owners.
No. Pre-approval is free and the first step to knowing exactly what you can afford.
I'm licensed in California and serve all of California.
First-Time Buyers
FHA loans can go as low as 580; conventional usually 620 or higher. I can walk you through what's possible for you.
It varies by program: FHA can be 3.5% down, conventional as low as 3%. Some programs offer down payment assistance.
Pre-qualification is a quick estimate. Pre-approval means we've reviewed your docs and you get a conditional commitment—stronger when making an offer.
Typically 21–30 days from contract to closing. I'll keep you on track every step of the way.
Refinancing
When rates are lower than your current rate, or when you want to shorten the term, cash out equity, or switch from an ARM to a fixed rate.
Closing costs vary (typically 2–5% of the loan). I'll provide a clear breakdown and help you decide if it pays off.
Yes. Cash-out refinances let you tap your home equity for renovations, debt payoff, or other needs—subject to eligibility.
Seniors & Reverse Mortgages
A reverse mortgage lets you access your home equity without monthly payments. You stay in the home; the loan is repaid when you sell or no longer live there.
Generally homeowners 62+ with sufficient equity. I'll walk you through eligibility and whether it's right for you.
Yes. They're federally insured (HECM) and regulated. I explain all costs and terms so you can decide with confidence.
Investors
A DSCR loan qualifies you based on the property's rental income (debt service coverage ratio) rather than your personal income—great for investors.
Conventional is long-term, rate-focused, and income-based. Hard money is short-term, asset-based, and used for speed (e.g., fix-and-flip).
Yes. We can use existing rental income or projected rent (with an appraisal) to help you qualify for investment purchases.
Self-Employed
Through bank statements, profit-and-loss statements, and other documentation that shows stable income. I specialize in these programs.
Typically 1–2 years of tax returns, bank statements, and sometimes a P&L. I'll tell you exactly what we need for your situation.
Contact us for more help.