Get Your Best Rate

FHA loans start at 580. Conventional loans at 620. The higher your score, the lower your rate — and every fraction of a percent matters over 30 years. If your score needs work, we have credit repair under the same roof. We won't send you elsewhere.

W-2s or tax returns for two years. Recent pay stubs. Bank statements. SSN or ITIN — both work. If you're self-employed, we know how to document that too. Cindy walks you through the checklist so nothing slows you down.

We submit to multiple lenders and bring you the real options — not just the one that's easiest for us. Rate, term, and closing cost assistance all factor in. You see the full picture and decide.

Washington and North Carolina both have programs that help qualified buyers with down payment and closing costs. First-time buyer status, income limits, and property type all determine eligibility. We've navigated these programs for dozens of families — we know the shortcuts and the pitfalls.

Once the lender reviews your file, they issue a pre-approval letter with your maximum loan amount. That letter is how you make competitive offers. Without it, sellers in this market won't take you seriously. With it, you can move fast.

Three business days before closing you get the Closing Disclosure — every fee, every number, final. We review it with you so nothing is a surprise. Then you sign, hand over the cashier's check, and get your keys.