You'll typically need recent pay stubs, tax returns from the last two years, bank statements, and proof of employment. We'll also verify your credit history and ask about any outstanding debts. Our team will give you a complete checklist when you start your application, so you know exactly what to prepare. Having these documents ready helps us move quickly through the approval process.

From application to closing, most mortgages take between 30 and 45 days. The timeline depends on how quickly you provide documentation, the complexity of your financial situation, and current market conditions. We'll keep you updated at every stage and let you know if anything might affect your timeline. Our goal is to move efficiently without cutting corners on the careful review your application deserves.

A fixed-rate mortgage keeps the same interest rate and monthly payment throughout the entire loan term, giving you predictability and stability. An adjustable-rate mortgage starts with a lower rate that changes after an initial period, which means your payment can increase over time. Fixed-rate mortgages are straightforward and protect you from rate increases, while adjustable-rate mortgages may offer lower initial payments if you plan to sell or refinance. We'll help you understand which option fits your financial situation and goals.