Most pre-qualifications take 10–30 minutes over the phone or via our online application. We typically have a pre-qualification letter ready at the end of our phone call.

Typically: 2 years W-2s, last 2 months pay stubs, last 2 months bank statements. Self-employed? We'll walk you through the additional items needed.

Absolutely not. We believe in earning your business, not locking you in. If another lender can beat our deal, we'll tell you. That's not a sales pitch — it's how we actually operate.

As a mortgage broker we work with 20+ wholesale lenders to find you the best rate and product. Banks only offer their own products. We shop the market on your behalf — and you pay nothing extra for it. In most cases we save our clients thousands.

From application to closing is typically 21–30 days. We'll always be upfront about realistic timelines and make sure we hit your contract deadlines.