What's the difference between a mortgage broker and a bank?
A bank sells its own loans. A broker compares yours across many lenders.
Home / The Fine Print
The Fine Print
Straight answers to the mortgage questions I hear most. After 18 years of reading contracts, I believe you should understand every page before you sign.
Do I need 20% down to buy a home?
Often, no. Many programs allow much less.
Do I need perfect credit to get a mortgage?
No. Requirements vary widely by program.
What's the difference between pre-qualified and pre-approved?
A pre-approval is reviewed more closely, and sellers take it more seriously.
Will talking to a mortgage broker hurt my credit?
No. A first conversation doesn't involve a credit check.
How long does it take to close on a mortgage?
Timelines vary, but most of my loans close in about 20 days.
What should I review before I sign at closing?
Your Closing Disclosure. Read it closely, and ask questions.
Can I get a mortgage if I'm self-employed?
Yes. Some programs qualify you without relying on tax returns.
What is a DSCR loan?
An investment property loan that looks at the property's rental income.
When does refinancing make sense?
When the savings outweigh the costs, on a timeline that fits your plans.
What should real estate agents look for in a lender partner?
Responsiveness, reliable pre-approvals, and no surprises at closing.
These answers are general information, not financial advice or a commitment to lend. Your options depend on your situation, the property, and lender guidelines.
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