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Frequently Asked Questions
What is a mortgage?
A mortgage is a loan used to purchase a home. It allows you to buy a property while paying
back the loan plus interest over time.
How much do I need for a down payment?
Down payment requirements vary, but typically range from 3% to 20% of the home's purchase
price. The amount depends on factors like loan type and your credit score.
What's the difference between a fixed-rate and adjustable-rate mortgage?
A fixed-rate mortgage has a set interest rate that remains the same throughout the loan term,
providing predictable payments. An adjustable-rate mortgage (ARM) has a variable interest rate
that may change over time, potentially affecting your monthly payments.
How long does it take to get approved for a mortgage?
The approval process can vary, but it usually takes a few weeks. Factors like credit history,
income verification, and property appraisal can influence the timeline.
San Francisco, CA
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New York, NY
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Los Angeles, CA
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