Questions, answered plainly.

With complete documents, most clients receive a verified approval letter within 24–48 hours. Start with the pre-approval form on our home page and an advisor will call you the same business day.

Consultations and pre-approvals are free. On closed loans we earn standard lender compensation, disclosed line-by-line on your Loan Estimate — typically with lower origination fees than retail banks because we shop wholesale.

Less than most renters think: 0% for VA, 3.5% for FHA, and 3–5% conventional options for qualified first-time buyers. Gift funds and assistance programs can cover part or all of it.

Our purchases average 21 days from application to funding; refinances average 18. You'll get a dated timeline at pre-approval and a status update every week — more often in the final stretch.

Yes — free 45-day locks on every file, with 90-day extended locks for new construction. If rates improve meaningfully after you lock, our one-time float-down captures the better pricing.

It depends on your down payment, credit, service history and how long you'll keep the loan. Browse our loan programs for an overview — then book a free 15-minute assessment for a personalized recommendation.