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Questions & Answers
What Will My Interest Rate Be?
This depends on several factors:
Loan type (FHA, Conventional, VA)
Term (15, 20, 25, or 30 years)
Purchase price / Loan amount / Loan-to-Value (LTV)
FICO score
Debt-to-Income ratio (DTI)
Employment type
Property type
ZIP code and county
Once we receive your application, we can better determine your interest rate.
How Much Money Do I Need for a Down Payment?
The down payment can be as low as 3% for certain loan products. Additionally, some states offer down payment assistance programs that may allow you to purchase with little to no money down.
What Are the Requirements to Qualify for a Loan?
To determine how much you qualify for, we’ll need to review:
Your income type (W2, 1099, salaried, commission-based, self-employed—Schedule C/S Corp)
Your credit report to assess open debt (collections/repos/repurchase agreements/student loans)
The amount you plan to put down as a down payment
What Do I Need to Pull My Credit?
We’ll need the following information:
Your full name (as it appears on your credit report)
Social Security Number or ITIN
Current address
Date of birth
Is a Two-Year Employment History Required to Qualify?
Not necessarily! It depends on the reason and the type of loan product you’re applying for. The best way to know is to contact our team so we can assess your specific situation.
Can Someone with DACA Status Qualify?
Yes! DACA recipients may qualify, especially if they have a valid work permit and have renewed it at least once. Even if not, more programs are becoming available to support these applicants.
I Have No Credit—Can I Still Buy a Home?
Having no credit is actually better than bad credit. There are definitely options available for people with no credit history. We can use non-traditional credit lines, 12 months of bank statements, or in some cases, even close a loan without requiring additional documentation.