Mortgage FAQs

How much do I need for a down payment?

We have loan options with down payments as low as 3.5%.

I’m self-employed, can you use my income?

If you have been in business for 2+ years and have at least 2 years filed Federal tax returns we can use your self employment income.

Can I get a gift of funds for the down payment?

Yes, you may be gifted funds to use for the down payment, with some requirements. Ask your loan officer for details.

How long is my credit report good for?

We can use your credit scores for 120 days without having to pull them again. However, if you obtain additional liabilities in that time, a new report will need to be run

What is the current rate?

Mortgage rates can be better or worse than the standard depending on a number of variants: income, credit score, liabilities. Submitting an application and the required documentation to your loan officer will help them to give you the most accurate rate available at any given time.

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