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Mortgage Guides & Resources
Clear, practical guidance to help you understand your mortgage options and make confident decisions.
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Talk to Andy DirectlyMortgage Questions, Answered
Quick answers to the questions Andy hears most. Have a different one? Reach out anytime.
How much do I need for a down payment?
It depends on the loan program. Conventional loans can start as low as 3% down, FHA loans around 3.5%, and VA loans let eligible borrowers put $0 down. A larger down payment lowers your monthly payment, while a smaller one keeps more cash on hand — Andy will walk you through the trade-offs for your situation.
What credit score do I need to qualify for a mortgage?
There's no single cutoff. Conventional loans generally favor higher scores, while FHA loans can work with more flexible credit. Your score affects your options and terms, but it's only one piece — income, debt, and down payment all matter too. Andy can review where you stand and what's realistic.
What's the difference between pre-qualification and pre-approval?
A pre-qualification is a quick estimate based on information you share. A pre-approval is more thorough — your finances are reviewed and verified, which makes your offer far stronger when you find a home. Andy recommends getting fully pre-approved before you start shopping.
How long does the mortgage process take?
Most purchase loans close in about 30–45 days from a complete application, and refinances are often similar. Timelines vary with your loan type, property, and documentation. Andy keeps things moving and updates you at every milestone so nothing feels like a black box.
What documents will I need to apply?
Typically recent pay stubs, W-2s or tax returns, bank statements, and a photo ID — though it varies by situation. You don't need anything prepared for a first conversation. Andy will give you a clear, specific checklist once you decide to move forward.
Should I wait for rates to change before buying or refinancing?
Timing the market is difficult, and the right decision depends on your goals — not just the headline rate. The smartest move is to understand your numbers now so you're ready to act when it makes sense for you. Andy can run your scenario honestly, with no pressure either way.