Question 1

How long does mortgage pre-qualification take?

Accepted Answer

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.

Question 2

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

Accepted Answer

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

Question 3

Can self-employed borrowers qualify for a mortgage?

Accepted Answer

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

Question 4

What credit score do I need to buy a house?

Accepted Answer

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

Question 5

What states do you serve?

Accepted Answer

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

Program USDA | The Trusty Lender