FAQ
Common Questions
How much do I need for a down payment?
It depends on the loan. VA and USDA loans can require no down payment for eligible buyers, FHA loans start at 3.5%, and some conventional loans start at 3%. Florida assistance programs may help cover your down payment and closing costs.
What is the difference between pre-qualified and pre-approved?
A pre-qualification is a quick estimate based on what you tell me. A pre-approval means I have reviewed your credit, income and assets. A verified approval goes one step further with an underwriting review, which gives your offer the most strength.
What credit score do I need?
Every program has its own requirements, and many buyers qualify with less-than-perfect credit. I will review your credit with you, tell you where you stand and show you what would help.
How long does it take to close?
Many purchases close in about 30 days. Timing depends on the loan program, the property and how quickly documents come in. I will give you a clear timeline up front and keep you updated.
Can I work with you in Spanish?
Yes. I am bilingual and can guide you through the entire process in Spanish, from your first question to closing day.
Answers are general information, not a commitment to lend. Your options depend on your situation and the program.
Ready to talk about your next move?
Start your application online, or call or text me first. Either way, you will hear back from me quickly.