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Frequently Asked Questions


The mortgage process can be complex and confusing so we’ve listed some of the most 

frequently asked questions to help you find some clarity.

What do mortgage companies look at to qualify me for a home loan?
What is the minimum credit score I need to qualify for a home?
What is the difference between down payment and cash to close?
Are there any additional costs outside of my cash to close?
What determines my interest rate?
What happens when my credit is pulled?
What is the difference between a Pre-Qualification & a Pre-Approval?
What documents will I need to get pre approved?
Can I receive money for my cash to close from a family member?
What kind of properties can I purchase?
Would I recommend a credit repair company?
Does my spouse have to be on the loan?