FAQs

Common Questions, Straight Answers

Got questions? We’ve got answers!

Here’s a collection of frequently asked questions about mortgages, home buying, and how I can help you navigate your journey to homeownership with ease and confidence.

General Mortgage Questions

What’s the first step in buying a home?

The first step is getting pre-approved for a mortgage. This helps you understand how much you can afford and shows sellers that you’re a serious buyer.

How do I get pre-approved?

Book a call with me, and I’ll guide you through the pre-approval process, which involves reviewing your financial information and determining what you can afford.

What types of loans do you offer?

I offer a variety of loan options to meet different needs, including FHA, VA, USDA, conventional loans, refinance loans, and more. Let’s discuss which option might be the best for you.

Loan-Specific Questions

What’s the difference between a fixed-rate and an adjustable-rate mortgage?

A fixed-rate mortgage has a constant interest rate and monthly payments that never change, while an adjustable-rate mortgage (ARM) has a rate that may change periodically depending on changes in a corresponding financial index that’s associated with the loan.

Do I need a down payment to buy a home?

Book a call with me, and I’ll guide you through the pre-approval process, which involves reviewing your financial information and determining what you can afford.

Credit and Qualification Questions

What credit score do I need to buy a house?

Credit requirements vary by loan type. FHA loans are popular for their lower credit score requirements, while conventional loans might require a higher score. Let’s see what you qualify for.

Can I buy a home with bad credit?

Buying a home with less-than-ideal credit is possible, especially with certain loan programs designed to help those with lower credit scores. I can help you understand your options.

Refinancing Questions

When should I consider refinancing my home?

You might consider refinancing to secure a lower interest rate, change your loan term, or access equity for large expenses. If you think refinancing could benefit you, let’s talk about your goals.

Southern Living and Community Questions

Why is it beneficial to work with a local lender like you?

Working with a local lender means getting personalized, face-to-face service from someone who understands the local market deeply. Plus, I’m always just a quick call or visit away.