A mortgage broker works on your behalf to shop your loan across multiple lenders, rather than offering only one bank's products, to help find financing that fits your situation.

Reach out for a free consultation. From there, next steps typically include a pre-approval application and a conversation about your goals and budget.

Broker compensation structures vary; some are lender-paid, some are borrower-paid.

Pre-qualification is a general estimate based on self-reported info. Pre-approval involves a more thorough review of your finances and carries more weight with sellers.

Typically recent pay stubs, tax returns, bank statements, and ID — the exact list depends on your loan type and employment situation.

Typical pre-approval with supporting documentation can take 2-4 business days.

Yes — first-time buyers often qualify for specific programs and down payment assistance options worth exploring.

Yes — refinancing can lower your rate, shorten your term, or let you access home equity, depending on your goals.

Rate depends on factors like credit score, down payment, loan type, and current market conditions.

Although every closing is unique, we aim for 29–45 days. Closing can vary by lender/loan type.