We start by getting to know your financial goals. Then, we guide you through every step—from choosing the right lender to getting pre-approval and finalizing your mortgage. Our team ensures the process is as smooth and stress-free as possible.

You’ll need proof of income (like pay stubs or tax returns), a credit report, bank statements, and a list of assets and debts. We’ll walk you through exactly what’s needed for your unique situation.

The typical timeline from application to approval is around 24 -48 hours. However, this can vary based on the complexity of your situation and the lender’s requirements.

A pre-approval is an initial agreement from a lender to provide you with a mortgage based on your financial details. It helps you understand how much you can borrow and shows sellers you’re serious, giving you an advantage in competitive markets.

We work with multiple lenders to find the most competitive rates available. Factors that impact your rate include your credit score, income, down payment, and property type. We’ll help you navigate these to secure the best possible deal.

Yes! Refinancing is a common way to lower your interest rate or access equity in your home. We can help you decide if refinancing is right based on current market conditions and your financial goals.

Typically, our services are free for clients, as we receive compensation from the lender. However, we’ll always be upfront about potential fees that might apply to specific situations. Transparency is important to us, so you’ll know exactly what to expect.