Build your path to homeownership with a mortgage strategy that actually fits your life

Great question—and there's no one-size-fits-all answer. It depends on your income, debt, credit score, down payment, and the type of loan you qualify for. I can run a personalized affordability analysis for you at no cost, so you'll know exactly what range to shop in before you start looking.

Typically, you'll need recent pay stubs, W-2s from the past two years, bank statements, and tax returns. If you're self-employed, I'll let you know what alternative documentation might work. I'll send you a clear checklist so there are no surprises.

From application to closing, a typical purchase mortgage takes 30–45 days, though it can vary depending on the loan type, property, and how quickly documents are provided. Refinances are often a bit faster. I'll give you a realistic timeline upfront and keep you updated at every step.

Not at all. Different loan programs have different credit requirements. FHA loans, for example, are more flexible with credit scores. Even if your credit isn't perfect, there may still be a path forward. I'll review your situation honestly and point you toward the best option.

Pre-qualification is a quick, informal estimate based on what you tell me. Pre-approval is a more thorough process—I'll pull your credit, verify your income and assets, and issue a written commitment for a specific loan amount. Sellers take pre-approved buyers much more seriously, so I always recommend getting pre-approved before you start house hunting.