How long does mortgage pre-qualification take?

The pre-qualification process is very fast. Once you submit your basic information, you can get a response and your letter in minutes, 100% digitally.

Can I get a mortgage with an ITIN instead of an SSN?

Yes. We offer specialized ITIN mortgage programs. We evaluate your employment history and payment capacity to find the best option.

Can self-employed borrowers qualify for a mortgage?

Yes! Self-employed individuals can qualify through Bank Statement programs or using net income from tax returns over the last two years.

What credit score do I need to buy a house?

Generally a minimum of 620 for conventional programs. FHA loans may allow scores from 580. ITIN and Non-QM programs have different requirements.

What states do you serve?

We are licensed in Texas, Florida (MBR6524), Oklahoma (MB016008), and California (60DBO-186180). Investment property loans available in 30+ states.

Financing by Property Type

Not all properties qualify for standard loans. We have lenders for every type — from single family homes to barndominiums and construction.

Single Family (1–4 units)

Most programs available. Best rates and highest lender competition.

All programs: Conv, FHA, VA, USDA, Non-QM
Primary, second home or investment
FICO from 500 on select programs
Up to 97% LTV on primary residence

Condo / Townhouse

Warrantable and non-warrantable condos. Florida condo specialists.

Warrantable: all agency programs
Non-warrantable: Non-QM solutions
Condotel financing available
FHA-approved buildings accepted

Manufactured / Mobile Home

FHA and conventional programs with permanent foundation.

FHA Title I & II programs
Permanent foundation required for conventional
Land + home combination loans
FICO from 580

Construction-to-Perm (OTC)

One-time close: build and finance in a single loan.

Single closing — lock rate before construction
Conventional, FHA and VA OTC programs
Land purchase included
Custom builds and modular homes

Barndominium

Metal and hybrid residential structures. Portfolio lenders available.

Non-QM and portfolio lenders
Must have permanent foundation
Specialty appraisal required
FICO from 620 typically

Multi-Family (5–24 units)

Apartment buildings and complexes. DSCR available.

DSCR: qualify on rental income
LLC and corporate entities accepted
Value-add and stabilized properties
Up to 80% LTV

Short-Term Rental (AirBnB)

Qualify using AirBnB / VRBO income for DSCR.

AirDNA or market rent analysis accepted
No personal income docs required
Single family, condos and multi-unit
LLC or individual borrowers