Common documents include photo ID, recent pay stubs, W-2s or tax returns (typically 2 years), recent bank statements, and information about debts and assets. For self-employed borrowers, profit-and-loss statements and additional tax documents may be required.

From application to closing typically 30–45 days for purchase loans, sometimes shorter for simple refinances. Time depends on appraisal scheduling, underwriting, and how quickly documents are provided.

Rate shopping within a short window (usually 14–45 days, depending on the scoring model) is treated as a single inquiry for mortgage credit scoring. We’ll explain the best timing before you lock a rate.

That depends on your goals—lower monthly payment, shorten loan term, switch to a fixed rate, or cash-out. We’ll run scenarios showing break-even points and long-term savings to help you decide.

Prequalification is an initial estimate based on self-reported info. Preapproval requires documentation and a credit check and gives sellers stronger evidence of your ability to close.

Down payment requirements vary by loan type (as low as 0–3% for certain programs). Closing costs commonly range from about 2–5% of the loan amount. We’ll provide an itemized estimate early in the process.

Possibly. There are programs and strategies for different credit profiles. We’ll review options and, if needed, steps to improve your profile before applying.

We remain available after closing for questions about payments, escrow, or future refinancing. Our goal is to support you through and beyond the transaction.