FAQs

Typical documents required include proof of income (such as pay stubs or tax returns), proof of assets (such as bank statements), identification documents, and information about the property you intend to purchase or refinance.

Several factors influence your mortgage rate, including your credit score, debt-to-income ratio, loan-to-value ratio, the type of loan, and current market conditions.

Pre-qualification gives you an estimate of how much you may be able to borrow based on basic financial information. Pre-approval, on the other hand, involves a more thorough review of your finances and provides a conditional commitment from the lender for a specific loan amount.

Closing costs are fees associated with finalizing your mortgage loan, including lender fees, appraisal fees, title insurance, and other expenses. The total amount varies depending on factors like the loan amount, location, and specific lender requirements.

Many of our mortgage products allow for early repayment without prepayment penalties. However, it's essential to review your loan terms carefully and discuss any concerns with your loan officer before proceeding.