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Understanding your mortgage options is the first step to homeownership. Let me break it down in plain English.
I can refer you to trusted local lenders who offer competitive rates.
Tax returns, pay stubs, bank statements. See the full checklist below.
The lender reviews your financials and pulls your credit.
Usually within 1-3 business days, you'll have a pre-approval letter.
The most common type. Requires good credit (usually 620+) and 5-20% down. Best rates with 20% down.
Best for: Buyers with good credit and savings for a down payment.