Government-issued photo ID, Last 2 years of personal tax returns (all schedules), Last 2 years of business tax returns (if applicable), Year-to-date Profit & Loss statement (if required), Last 2–3 months of business bank statements (if required), Last 2 months of personal and asset statements, Business license (if applicable), CPA letter verifying the business (if required)

a) 30 days – 60 days, b) taxes should be the most recent year filed

Yes, you may upload it securely in my website.

A fixed-rate mortgage has the same interest rate for the entire life of the loan. Your monthly principal and interest payment stays the same, making it easier to budget. Example: If you get a 30-year loan at 6.5%, your interest rate stays 6.5% for all 30 years. Fixed Rate = Stable payment.

Adjustable-Rate Mortgage (ARM): An adjustable-rate mortgage starts with a lower fixed interest rate for a set period (such as 5, 7, or 10 years). After that, the interest rate can increase or decrease based on market conditions, which means your monthly payment may also change. Example: A 5/6 ARM might have a fixed rate for the first 5 years, then adjust every 6 months afterward. Adjustable Rate = Lower starting rate, but payments can change later.

Your budget depends on your income, monthly debts, credit score, down payment, and current interest rates. We can help you determine a comfortable price range before you start shopping.

Down payments can be as low as 3% to 5% for many conventional loans, 3.5% for FHA loans, and 0% for eligible VA and USDA borrowers.

Down payments can be as low as 3% to 5% for many conventional loans, 3.5% for FHA loans, and 0% for eligible VA and USDA borrowers.

Many loan programs accept credit scores starting around 580-620, while higher scores often qualify for better interest rates and lower monthly payments.

Most home loans close in 21-30 days, although some can close even faster depending on the loan program and how quickly documents are provided.

Yes. A pre-approval tells you how much you qualify for and makes your offer stronger when competing for a home.

Yes. Many loan programs allow gift funds from eligible family members.

Not always. Many borrowers qualify with less than two years if they recently graduated or remained in the same line of work.