Your mortgage resource center.

Whether you’re looking for quick answers, helpful visuals, or expert guidance, our team is here to make the mortgage process easier to understand—and easier to navigate.

>> Why work with our team?

Starting the mortgage process can feel daunting, but we're here to make sure you never feel like purchasing a home is out of reach. We firmly believe that mortgages should be accessible to everyone. Whether you're ready to roll up your sleeves and put in the effort or simply need guidance and patience, we are here to assist. Taking the first step is often the toughest, but with our support, you'll navigate the journey with confidence.

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20 Years Experience
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Around the Clock Support
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21 Days Average Loan Closing
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Got questions? We’ve got answers.

Home loans can feel complicated, we get it. That’s why we’ve gathered answers to some of the questions we hear most often. From the basics to the finer details, we’re here to help you feel more confident every step of the way.

  • Do we need to provide all of our information to get a rate quote?

    We can make assumptions but prefer not to since once we get your information it can change. There are over 25 different variables that go into the rate. Top variables are credit score, loan amount, loan compared to value, occupancy, and how much or if you want to pay what is called “discount points” to buy the rate down.

  • How long is a preapproval good for? How long does it take to get pre-approved?

    Preapproval is good for 120 days.  After that, information will have to get refreshed to extend that time. Preapproval can get done as quickly as one day or may take up to a week depending on how long it takes to receive your required information. 

  • What are the closing costs?

    The closing costs are mostly fixed costs associated with getting the loan. In addition, there are some variable items to set up escrow to pay for taxes and insurance at closing. Also, potential points to buy down a better interest rate or lender credit for a higher rate.  

  • What happens at closing?

    Closing is typically 45 minutes. You will be required to bring your funds (cashier’s check or send a wire prior) to closing. You will sign all required documents and will have the opportunity to ask questions. You’ll receive your new keys and you’re ready to move in! 

>> Getting Pre-Approved

Getting pre-approved for a mortgage is an exciting first step in the home-buying journey! Not only does it show sellers that you’re a serious buyer, but it also gives you a clear idea of your budget and financial readiness. To help the pre-approval process go as smoothly and quickly as possible, gather the following essential documents:


  • W-2s from the past two years
  • 1040 Federal Tax Returns from the past two years (all pages)
  • Business tax returns and K-1s (for business owners only)
  • Your two most recent pay stubs
  • Statements for all assets from the last two months (including checking, savings, money market, retirement accounts, etc.)
  • A copy of your driver’s license or passport


Additionally, depending on your situation, we may need some extra documentation, such as:


  • Employment offer letter
  • School transcripts
  • Social Security or pension award letters
  • Divorce decree, if applicable
  • Bankruptcy papers or short sale documentation



Having these documents ready can save time and make the pre-approval process much simpler for everyone involved! If you have any questions about these requirements or if other documents may apply to your situation, feel free to reach out—we’re here to help every step of the way.

>> Mortgage Calculators

Have you ever been curious about what your monthly mortgage payment might be on a future home? Check out our great mortgage calculator tool to help start the conversation about homeownership!


*This calculator is for informational purposes only and may not be accurate. This is not a loan pre-qualification or pre-approval nor a commitment to lend. Additional fees such as HOA dues or Condo assessments are not included in the calculation.  All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only.  Contact a financial professional for full details.