Straight answers to the mortgage questions borrowers ask first.

Start with our contact form or call the office at (301) 315-8808. We will review your goals, collect the right documents, and outline the best-fit loan options before you shop.

Conventional and FHA files with complete documents are often reviewed within 24 to 48 hours. Non-QM, jumbo, foreign national, and DSCR files can take a bit longer depending on documentation.

Program minimums vary, but stronger credit typically improves both approval odds and pricing. If your score is thin or still recovering, we can walk through other options, including Non-QM solutions.

Many conventional approvals land under roughly 45 percent DTI, though some automated approvals can stretch higher when reserves, credit, or down payment are strong.

Qualified first-time buyers can sometimes put as little as 3 percent down on conventional financing. Higher-balance, jumbo, DSCR, and some Non-QM products often require a larger down payment.

Often yes. We will tell you exactly what gift letter and sourcing documentation are required based on the loan program and property type.

Yes. Bank-statement, CPA profit-and-loss, asset-depletion, and DSCR products can provide alternatives when standard tax-return underwriting is not the best fit.

Agency loans often require returns and business documentation. Non-QM loans may instead use 12 to 24 months of bank statements, a CPA-prepared P&L, or other alternative documentation.

A DSCR loan qualifies a borrower based primarily on the property’s rental income instead of personal income documents, which makes it attractive for investors buying or refinancing rental properties.

Often yes through Non-QM or investor-focused products. We review the HOA budget, reserves, insurance, litigation, and assessments before we recommend the best structure.

Yes. We work with programs that can use passports, visas, ITIN documentation, foreign assets, and alternative credit references depending on borrower profile and property type.

A complete file often closes in about 21 to 30 days. Appraisal timing, title work, and program complexity can change that window, and we will set expectations up front.

Possibly. Waiting periods vary by loan type, and some Non-QM programs can be more flexible than standard agency loans.

Your comfort range depends on more than income alone. We look at employment history, debts, savings, reserves, down payment, taxes, insurance, and the loan structure to set a realistic target payment.

A fixed-rate mortgage keeps the same interest rate for the life of the loan. An adjustable-rate mortgage changes at scheduled intervals based on an index and margin, which can lower the initial payment but introduces future rate movement.

Most monthly housing payments include principal, interest, property taxes, homeowner’s insurance, and where applicable mortgage insurance or HOA dues.

Cash to close typically includes your down payment, closing costs, prepaid taxes and insurance, and sometimes reserves depending on the program. We will give you a customized estimate based on the property and loan type.