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.

VA Home Loans for Veterans & Military

You served. Now use your VA benefit to buy a home with $0 down, no PMI, and the best rates on the market.

15+ lenders for VA borrowers

VA Purchase Loan

Buy your home with zero down payment.

0% down payment — no PMI ever
Best interest rates available
FICO guidance from 550+
Primary residence only
Available in all 50 states

VA IRRRL (Streamline Refi)

Lower your rate with minimal paperwork.

No appraisal required in most cases
No income verification
Must already have a VA loan
Lower rate or switch to fixed
Fast closings — 21–30 days

VA Cash-Out Refinance

Access your home equity in cash.

Up to 100% LTV on primary residence
Use funds for any purpose
Can pay off non-VA loans
FICO from 550
New appraisal required

VA Jumbo Loan

High-value homes above conforming loan limits.

Above $806,500 conforming limit
Small down payment required above limit
Still no PMI
FICO from 620
All states available

VA Eligibility

Active duty military (90+ days service)
Veterans with honorable discharge
National Guard / Reserves (6+ years)
Surviving spouses of veterans
Certificate of Eligibility (COE) required
Maximum DTI ratio 41% (exceptions with compensating factors)

Keep learning

VA Loans

Buy a Duplex with a VA Loan — and Let the Rent Help You Qualify

Yes, it's possible. If you're a veteran or active-duty service member, you can buy a 2-to-4 unit property with $0 down and use the projected rental income from the other units to help you qualify for the mortgage. Here's exactly how it works.

Read article