Everything you need to know about starting your mortgage journey.
1. What types of mortgages do you offer?
We offer a range of options including First-Time Buyer loans, Remortgaging, Buy-to-Let financing, and solutions for Self-Employed borrowers, including FHA, VA, and Conventional programs.
2. Will applying affect my credit score?
No. We begin with a soft credit pull to give you an accurate rate estimate without impacting your credit score.
3. How long does the pre-approval process take?
Once you upload your income and identification documents, our team verifies everything quickly to issue your official Pre-Approval letter in a short timeframe.
4. Are there any hidden fees?
None. We pride ourselves on complete transparency — all terms are upfront, so there are no surprise costs or unexpected charges.
5. What states do you currently serve?
We currently help clients get approved in five states: Washington, North Carolina, Tennessee, Georgia, and Florida.
6. What happens after underwriting?
Once underwriters complete the final review of your loan file, you'll receive an official "Clear-to-Close" approval, after which you can move to final closing.
7. Do I need to already be working with a loan officer to apply?
No. Whether you're new to us or already working with one of our loan officers, you can start your application right away.
8. Who can I talk to for personalized advice?
You can connect directly with our Senior Loan Officer, Duane Buziak (NMLS #1110647), by calling (804) 212-8663 for tailored guidance on your mortgage journey.
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