Knowledge Is Power
We believe informed buyers make better decisions. Explore our guides and FAQs to prepare for your homeownership journey.
Free Guides
Download our helpful resources
First-Time Homebuyer Guide
Everything you need to know about buying your first home, explained in English and Spanish.
Request GuideDocument Checklist
A complete list of documents you'll need for your mortgage application.
Request GuideFrequently Asked Questions
Quick answers to common questions
What credit score do I need to buy a home?
Most conventional loans require a minimum 620 credit score. FHA loans can go as low as 580 with 3.5% down, or 500 with 10% down. We can help you understand your options based on your specific situation.
How much down payment do I need?
Down payment requirements vary by loan type. Conventional loans can be as low as 3%, FHA is 3.5%, and VA loans offer 0% down for eligible veterans. We'll help you find the best option for your budget.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate based on self-reported information. Pre-approval involves document verification and gives you a more accurate picture—and a letter that sellers take seriously.
How long does the mortgage process take?
Typically 30-45 days from application to closing, though it can be faster or slower depending on the situation. We'll keep you informed every step of the way.
Do you speak Spanish?
¡Sí! Our entire team is fluent in Spanish. We're Latino immigrants from Colombia and can guide you through the entire process in your preferred language.
What documents do I need to apply?
Generally: 2 years of tax returns, recent pay stubs, 2 months of bank statements, and ID. We'll provide a complete checklist based on your specific loan type.