We start with a quick strategy call to understand your needs, then help you get pre-approved so you know your budget. From there, you shop for a home, we process and underwrite your loan, and finally – you close and get your keys.

Typically, you’ll need:

• Proof of income (pay stubs, tax returns, or bank statements)
• Employment verification
• Credit history
• Photo ID
• Details of your assets and debts

Our team will give you a clear checklist tailored to your situation.

Absolutely. We offer programs and guidance specifically for first-time buyers, including low down payment options, grants, and step-by-step support through the process.

Start with our free online rate calculator or request a pre-approval. We’ll review your income, credit score, and debts to give you an accurate picture of your budget.

Refinancing: Replaces your existing loan with a new one, often to get a lower interest rate or better terms.

Cash-out refinance: Lets you replace your current loan with a new one for more than you owe, and take the difference in cash – often used for renovations or debt consolidation.

On average, 30–45 days from application to closing. Timelines can vary based on your loan type, documentation, and the home buying process.