It depends on your credit, income, and goals. A quick pre-approval tells you exactly where you stand.
Yes — options like FHA, VA, or specialized programs are designed to help buyers with past credit challenges.
On average, about 30 days once you’re under contract. Some programs close even faster.
Only if your down payment is less than 20% on a Conventional loan. FHA and VA loans have their own insurance rules.
Yes — many programs allow family gifts to cover part or all of your down payment.
Yes — with the right program. Conventional and DSCR loans are popular for rental and investment purchases.
Conforming limits are set by Fannie Mae and Freddie Mac (currently $766,550 in most CA counties, higher in some areas). Above that, it’s considered a Jumbo loan.
Most programs start at 620, but FHA and VA loans can go lower with strong compensating factors.
Pre-qualification is an estimate; pre-approval verifies your income, credit, and assets so sellers take you seriously.
As little as 0% with Access Zero, or 3% with Conventional loans or 3.5% for FHA if you qualify.
No — your credit, loan type, and down payment all impact your rate. We match you with the best fit for your profile.
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