Frequently asked questions
Short answers. Call us for the long ones.
Are you a lender or a broker?
A broker. We compare programs from wholesale lenders, submit your file to the best fit and manage it to closing. The lender funds the loan and makes the final credit decision.
Which states do you lend in?
Texas and Florida. We can only arrange loans on property in states where we're licensed.
Do you charge to talk or pre-qualify?
No. Our compensation is disclosed on your Loan Estimate and paid at closing.
Can I get a mortgage if I'm self-employed with only one year of returns?
Sometimes. Some programs accept one year with a strong history in the same line of work. Bank statement loans are another route.
Do I need 20% down?
No. Conventional loans start at 3% to 5%, FHA at 3.5%, and VA and USDA at zero. Below 20% you'll usually pay mortgage insurance.
Can you help in Turkish?
Yes. We explain everything in Turkish. Legal disclosures are issued in English.
Will checking my rate hurt my credit?
A pre-application doesn't pull credit. When we do pull, multiple mortgage inquiries within a short window count as one.
How long does closing take?
Usually 30 to 45 days from a signed contract, faster when documents are ready up front.
Talk to someone who reads tax returns for a living
A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.