What clients
ask most.

A pre-qualification is a basic estimate, but a pre-approval is thorough: we verify income, assets and credit to give you a concrete loan amount. Sellers take pre-approvals much more seriously.

FHA: as low as 3.5%. Conventional: as low as 3%. VA and USDA: 0% down. We'll help find the right program for you.

FHA accepts 580+ (or 500 with 10% down). Conventional typically needs 620+. We also offer Non-QM programs. Don't assume you can't qualify.

Absolutely. Through Kasa Lending, we offer Bank Statement loans, P&L loans, 1099 programs and more.

Typically 21-45 days from application to closing. We work hard to keep things moving fast.

Closing costs typically range from 2% to 5% of the loan amount. They include lender fees, title insurance, escrow, appraisal and prepaid items like property taxes and homeowner's insurance. We'll break down every cost upfront so there are no surprises.

Yes, once you're under contract we can lock your rate, typically for 15 to 60 days. This protects you from market fluctuations while your loan is being processed.

Don't make large purchases, change jobs, move large amounts of money, pay off debts without asking us, or get your credit pulled unnecessarily.

Yes! We offer ITIN loan programs. Contact us to learn how we can help.

Yes. Our team is fully bilingual. We guide you through the entire process in the language you prefer.