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The right loan type depends on your financial situation, credit score, down payment capability, and whether you meet certain eligibility criteria for government-insured loans. We offer personalized consultations to help determine the best fit for your needs.

Yes, several loan programs, such as FHA and USDA loans, are designed for buyers with lower down payments. Conventional loans also offer options for down payments as low as 3%.

Getting pre-approved for a mortgage provides a clear idea of what you can afford, strengthens your offer on a home, and speeds up the closing process, making you a more attractive buyer to sellers.

The timeline can vary based on the loan type and individual circumstances but generally takes from 30 to 45 days from application to closing. We work diligently to ensure a smooth and timely process for each client.

Yes, there are many programs available that offer low down payment options. For first time homebuyers looking for a primary residence, Conventional financing offers a 3% down payment option that requires the borrower take a home buying education class.