Building Generational Wealth Through Homeownership

Credit score requirements vary by loan type. Conventional loans typically require a 620+ credit score, FHA loans may accept scores as low as 580, and VA loans often have more flexibility. We work with you regardless of your credit situation and can recommend the best program for your circumstances.

Down payment requirements vary significantly. VA and USDA loans offer 0% down options for eligible borrowers. FHA loans require as little as 3.5% down. Conventional loans typically require 3-20% depending on the program. We'll help you find the best option for your financial situation.

Most mortgages close in 30-45 days from application to closing. However, we can often expedite the process for urgent situations. Pre-qualification takes just hours, and having your documents ready can significantly speed up the timeline.

Absolutely! We specialize in loans for self-employed borrowers. We offer bank statement loans, stated income loans, and other programs designed specifically for entrepreneurs and business owners. Your business income can be verified through alternative documentation methods.

Pre-qualification is an initial estimate based on self-reported information and takes about 30 minutes. Pre-approval is more comprehensive, involves document verification, credit checks, and provides a conditional commitment from a lender. Pre-approval carries much more weight when making offers on homes.

Yes! While we're based in Colorado and California, we work with clients nationwide. Our network of lending partners allows us to serve homebuyers and investors in all 50 states with competitive rates and personalized service.

Typical documents include: 2 years of tax returns, recent pay stubs, W-2s, bank statements (2-3 months), photo ID, and proof of other assets. Self-employed borrowers may need additional business documentation. We'll provide a complete checklist based on your specific loan program.

Yes! We specialize in investment property loans including DSCR loans (no income verification), fix-and-flip financing, and portfolio loans for investors with multiple properties. Our programs are designed specifically for real estate investors' unique needs.