Mortgage FAQ

It depends on the program. FHA loans can go as low as 580. Conventional loans typically require 620+. Our Non-QM programs work with a wider range of credit profiles. Call us and we will tell you exactly where you stand.

Absolutely. Our P&L loan program is built specifically for self-employed borrowers. Instead of traditional pay stubs and W-2s, we use your profit and loss statements to verify income. Many of our clients are business owners, freelancers, and 1099 contractors.

As little as 3% for Conventional loans and 3.5% for FHA. Some Non-QM programs require 10-20% depending on the scenario. We will walk you through the options that fit your budget.

Most of our loans close in 21 to 30 days from application. We move fast because we communicate directly with you — no call centers, no runaround.

For a quick pre-qualification, we just need your name, phone number, and a few details about your situation. We will tell you exactly what documents are needed once we identify the best program for you.

Yes. We partner closely with agents across California. We provide fast pre-approval letters, keep your clients updated, and communicate directly with you throughout the process. Your deals close on time.