Common questions, answered

A bank offers only its own loan products. As an independent broker, we compare programs and rates from many lenders on your behalf, then bring you the options that fit best. You get more choice and a single point of contact throughout.

It depends on the program. Conventional loans can start as low as 3% down for qualified buyers, FHA at 3.5%, and USDA loans may require nothing down for those who qualify. For investors, DSCR loans qualify you on the property's income.

There's no single cutoff. Many programs work with scores in the low to mid 600s, and some FHA options go lower. Higher scores generally unlock better rates. If your credit needs work, we can suggest steps to strengthen it.

A Debt Service Coverage Ratio loan qualifies real estate investors based on the rental income a property generates rather than personal income. It is a popular option for buying or refinancing rental and investment properties.

Your initial consultation and rate quote are free. Broker compensation and any loan costs are always disclosed clearly and up front before you commit to anything.

Many purchase loans close in roughly 30 days, though it varies by program, property, and how quickly documents come together. Refinances can be faster. We work to keep your file moving at every step.

Yes. A preapproval shows sellers you're a serious buyer and tells you exactly what you can afford. It's quick, and it makes your offers far stronger in competitive markets.

Yes, we're licensed in both states and regularly help buyers and homeowners in each. Whether it's a condo in New York or a second home in Florida, we've got you covered.

Refinancing can help if rates have dropped, your credit has improved, you want to shorten your term, or you'd like to tap equity. We'll run the numbers so you can see whether the savings outweigh the costs.