FAQ's

Frequently Asked Questions (FAQ) – Mortgages Made Simple

General Questions

What if my application is denied?
- We’ll review reasons and help you understand next steps—sometimes it’s as simple as adjusting your application or improving credit.
Who do I contact for questions during the process?
- You’ll work directly with Jesus, your dedicated mortgage expert—call, text, or email anytime.
Do you offer services in Spanish?
- ¡Sí! Hablamos Español y podemos ayudarle en su idioma.

How much do I need for a down payment?
- Most first-time buyers can purchase a home with as little as 3–5% down, depending on the loan type. Some special programs offer assistance with down payments.
What credit score do I need to qualify for a mortgage?
- Conventional loans generally require a credit score of 620+, FHA loans as low as 580 (sometimes lower with more money down). Higher scores can mean better rates and lower monthly payments.
What documents are needed to apply?
- Be prepared with recent pay stubs, W-2s, bank statements, and ID. We’ll guide you step-by-step and provide a list.
How does pre-qualification work?
- Pre-qualification shows sellers you’re a serious buyer. We’ll review your income, credit, and debts to issue a free pre-qualification letter.
How long does the mortgage process take?
- Most loans close in about 30 days or less, but quick responses help! Our average is around 3 weeks.
Do I need perfect credit to buy a home?
- Not at all. We help clients with a wide range of credit histories find the right loan options.

Can I finance an investment property?
- Absolutely. We offer loans for 1–4 unit properties, condos, townhomes, and more. Conventional, Non-QM, and DSCR programs are available.
What are typical down payment requirements for investment loans?
- Investment properties usually require 15–25% down, depending on the property type and loan used.
How many properties can I finance at once?
- Up to 10 financed properties with Fannie Mae/Freddie Mac. Non-QM options expand this for experienced investors.
What’s a DSCR loan?
- DSCR (Debt-Service Coverage Ratio) loans focus on rental income rather than your personal income, making it easier for investors to qualify.
Do you offer options for self-employed or those without W2s?
- Yes! We provide bank statement, asset-based, and foreign national loans for a variety of financial situations.