We're here to help
Questions about mortgages
Common questions
Buying a home involves a lot of decisions. We've answered some of the questions we hear most often. If you don't see what you're looking for, reach out directly—our team is happy to discuss your specific situation.
What documents do I need to apply for a mortgage?
You'll want to gather recent pay stubs, tax returns from the last two years, and bank statements. We'll let you know exactly what we need once you start your application. Having these ready helps us move things along smoothly, but don't worry if you need time to collect them—we can guide you through what's required.
How long does the mortgage process take?
From application to closing typically takes 30 to 45 days, though it can vary based on your specific situation and how quickly we receive the documents we need. We'll keep you updated every step of the way and let you know what's happening and what we're waiting for. Our goal is to move steadily without rushing you.
Can I apply if I'm self-employed?
Yes. We work with self-employed borrowers regularly. You'll typically provide two years of tax returns and business financial statements so we can see the full picture of your income. Being self-employed doesn't disqualify you—we just look at things a bit differently to understand your earning history.
Your financial story matters
We look at the whole picture
A mortgage is deeply personal. Your financial life isn't a simple number, and we don't treat it that way. We review your credit history, income, assets, and debts, but we also listen to your story. Maybe you had a job transition or an unexpected expense. Perhaps you've been steadily building toward this moment for years. We consider all of it. Our approach means we can work with situations that feel complicated elsewhere. We're not here to say no—we're here to understand your circumstances and find a path forward that makes sense for you.