borrowers
The first step is getting preapproved for a mortgage. This helps you understand how much home you can afford and shows sellers you’re a serious buyer. I’ll review your income, credit, and debt to determine your loan options.
It depends on the loan type:
Even if your score is lower, we can work on strategies to improve it!
Down payments vary by loan type:
First-time homebuyers may also qualify for down payment assistance programs!
Your payment usually includes four main parts (PITI):
If you’re using an escrow account, your lender will manage tax & insurance payments for you.
Mortgage insurance (PMI or MIP) is required when you put down less than 20% on a home.
On average, it takes 30-45 days from application to closing. However, factors like appraisal delays, underwriting conditions, and document verification can impact the timeline.
I’ll help you determine which loan is best for your situation!
Yes! Your debt-to-income ratio (DTI) is a key factor. If your student loans are in deferment or have an income-based repayment plan, we’ll calculate how they impact your loan eligibility.
At closing, you’ll sign all final loan documents, pay any remaining closing costs, and officially get the keys to your home! Your lender will fund the loan, and the home’s title will transfer to you.
📞 Still have questions? Contact me today for a free consultation!
Realtors
I provide clear communication, fast preapprovals, and smooth closings. I know that when a deal is on the line, response time matters—I’m committed to keeping you & your clients informed every step of the way.
I can typically issue a same-day preapproval once I have all required documents. My goal is to make sure your clients are ready to submit strong offers without delays.
I work with a variety of loan types, including:
Yes! FHA loans are great for buyers with credit scores as low as 580, and I also help clients build or repair their credit if they need extra time before purchasing.
I provide regular updates at each milestone—preapproval, underwriting, appraisal, and final closing. You’ll never be left wondering where the loan stands!
We are currently averaging an a close time of 10-12 days. The exact timing depends on factors like appraisal & underwriting, but I work hard to meet contract deadlines.
Absolutely! There are many local & national programs that provide grants, forgivable loans, or second mortgages to help first-time buyers with down payments & closing costs.
Encourage them to:
Absolutely! I’d love to partner with you to help more buyers get into homes smoothly. Let’s grab a coffee or set up a quick call to discuss how we can work together!
