Your Home Loan
Should Work As Hard
As You Do

Affordability depends on more than just your income — it's your debt-to-income ratio, credit score, down payment, and the type of loan you qualify for. I'll run a detailed analysis during our first call and give you a realistic price range, not a maximum number that stretches you thin. My goal is for you to feel comfortable with your payment, not surprised by it.

Pre-qualification is a quick estimate based on information you provide — it's helpful for early planning but carries little weight with sellers. Pre-approval is a verified commitment from a lender after reviewing your credit, income, and assets. In today's market, sellers take pre-approved offers seriously. I'll get you pre-approved before you ever look at a property.

A typical purchase loan closes in 30–45 days from application to funding. Refinances can close in as little as 21 days. Timelines vary based on property type, loan program, and how quickly documents are provided. My team works to keep every step moving — we'll flag potential delays early and give you honest estimates, not optimistic guesses.

Not at all. Many programs allow down payments as low as 3% for conventional loans, 3.5% for FHA, and 0% for VA and USDA loans. There may be additional costs like PMI, but those are often outweighed by the benefit of buying sooner. I'll explain every option so you can choose what makes financial sense for your situation.

Most borrowers need recent pay stubs (30 days), W-2s (2 years), bank statements (2 months), and tax returns (2 years). Self-employed borrowers will also provide profit & loss statements and 1099s. I'll send you a clear checklist tailored to your situation — no surprises, no last-minute document requests.

Guaranteed Rate is one of the largest and most respected mortgage lenders in the country, with competitive rates, a dedicated support team, and technology that makes the process faster and more transparent. Unlike local banks, I offer a wide range of loan products and can often close more quickly. And I'm always just a call or email away — no call centers, no runaround.