Frequently Asked Questions

We’ve Got Answers to Your Mortgage Questions

Getting a mortgage can feel overwhelming, but it doesn’t have to be. Here are answers to the most common questions our clients ask—so you can move forward with clarity and confidence.

FAQs

What types of home loans do you offer?

VA, FHA, Conventional, and Non-QM loans tailored to your needs. These include investor loans, DSCR and there are always new products being offered on the market – reach out to see which one would be best for you! 

It is a simple process that goes as quick as we are able to help get documents – often times this can be as fast as 10 minutes while other files may take longer based on complexity

No, the good news with working with a broker is that there are variety in offerings and we will match you with a lender that will best suit your goals!

Absolutely! We specialize in the miniutae of self employment and have helped many borrowers who have thought home buying or qualifying was an uphill battle.

There is not a one size fit all mortgage – depending on several factors there are different requirements. It is like a puzzle that we are building together. High credit and High income can offset asset requirements. While Low Credit and Low income can require more assets — reach out to find out if you qualify for a 1% down program or a VA loan at 0% down

Simply put — what’s in it for you is typically better approvals with riskier profiles. FHA is a great program that is offered to the client who may have a particular set of needs – Flat based pricing vs Risked Based pricing is a big differentiator. Conventional typically requests less risk than the FHA program to get similar terms — whereas FHA if you qualify you qualify and there is not much variation in the rate — reach out for more on this topic as it does go case by case scenario. 

A great conversation starter – there are quite a bit of parameters to get a VA loan —  We have the tools to get this answer quickly based on your situation — the VA does not have a DTI requirement offers lower credit and lower down payment requirements- Reach out to learn more on this topic

Yes, we have encrypted data practices.

A refinance can be a useful financial tool in many markets – we are here to support your goals with equity loans, 1st and 2nd refinance mortgages.

You may get started simply by filling out this questionaire here. If you are looking for more guidance in the initial process or have questions call or text us at 586.255.8984 or you may schedule an appointment here.

Still Have Questions? Let’s Talk.

We’re happy to walk you through it, step-by-step.

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Ready to Take the Next Step?

Whether you’re buying, refinancing, or just exploring your options, we’re here to help you move forward with clarity.