I have spent my entire life in the Real Estate world. With an Agent for a Mom and a Lender for a Dad I have seen every situation you can imagine. I have the knowledge, experience, and relationship to get your mortgage across the finish line faster and smoother.

A pre-approval is conditional offer from a lender stating they are tentatively willing to lend you a specific amount of money to buy a home. While not always strictly necessary, it shows both realtors and sellers that you are a serious and able buyer who is not wasting anyone's time.

The only correct answer to this question is as fast or as slow as you need it to be. There are some legal requirements that make it take at least a couple weeks but outside of that your comfort level and the involvement of all parties dictates timeline. Typical timeline is +/- 30 days.

Every situation is different, some loans start at 3% down, but the exact amount depends on your loan program and financial situation. Some people may qualify for down payment assistance program, lowering the amount to as low as 0%, while others may not.

This is all based on the loan type. Most loan types need pay stubs, tax returns, bank statements, and valid ID. There are a wide variety of loans available based on your income, the properties cash flow, your bank statements, 1099 income, and much more that require different types of documentation.