Mortgage Questions,
Straight Answers
Answers to the questions Texas buyers and homeowners ask us most. Don't see yours? Reach out and we'll help.
Before You Shop
Pre-qualification starts with a quick review of your income, credit, and assets. From there we can issue a letter showing what you may qualify to borrow, which strengthens your offer when you find a home. If it's your first purchase, start with our first-time buyer programs.
It depends on the loan. FHA loans may allow scores as low as 580, conventional loans generally start around 620, and VA programs vary by lender. We'll help you find the best fit for your situation.
VA loans can require no down payment for eligible veterans with full entitlement, and FHA and conventional programs offer low-down-payment options for qualified buyers. Down payment assistance may also be available.
Picking the Right Loan
We offer VA, FHA, conventional, DSCR and investor, and non-QM programs, along with refinancing and down payment assistance. We'll match you to the program that fits your goals.
FHA loans are more flexible on credit and down payment but carry mortgage insurance for the life of the loan in most cases. Conventional loans can have removable PMI and strong terms for stronger credit profiles.
You may still qualify. Bank statement loans use your deposits instead of tax returns, and other non-QM programs qualify you on assets, rental income, or an ITIN.
Contract to Closing
Timelines depend on your loan type and how quickly documentation comes back. A typical purchase runs about three to four weeks from executed contract to closing, and a complete, fast-moving file can shorten that.
Typically pay stubs, W-2s or tax returns, bank statements, and identification. If you're self-employed, we may ask for additional documentation like profit-and-loss statements.
Yes. We serve buyers and homeowners across DFW — Dallas, Plano, Frisco, McKinney, and beyond — and all of Texas. See the areas we serve.
This page is general educational information and is not a commitment to lend, an offer of credit, or legal, tax, or financial advice. All loans subject to credit approval, underwriting, and property qualification. Equal Housing Opportunity.
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