What documents do I need to apply for a mortgage?+
Typically you'll need proof of income, credit history, identification, and details about your assets and debts. We'll guide you through the exact requirements for your situation and loan program — and the Getting Started page has a full checklist.
How long does the mortgage approval process take?+
Most approvals take between 1–2 hours, depending on your situation. We work to make the process as fast and smooth as possible, and we verify income and assets up front so nothing stalls later.
Can you help with both buying and selling property?+
Yes. Our team provides full support for both buyers and sellers, including real estate guidance alongside your mortgage.
Is the consultation really free?+
Absolutely. There's no cost or obligation for your initial consultation — we're here to help you explore your options.
Which states are you licensed in?+
Our Maple Grove branch serves clients across Minnesota, Wisconsin, Florida and Illinois. Individual loan officers on our team hold licences in additional states — see the team page for who covers where.
How much do I need for a down payment?+
Less than most people assume. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA at zero down for those who qualify. Under 20% down adds mortgage insurance — the calculator shows you exactly what that costs per month.
I'm self-employed. Can I still qualify?+
Yes, and you have more routes than most lenders will tell you about. Bank statement loans use 12 or 24 months of deposits, 1099-only programs use contractor income, and there are P&L and asset-depletion options too. See Mortgage Services.
Does a pre-approval affect my credit score?+
A pre-approval involves a credit check. Multiple mortgage inquiries inside a short shopping window are generally treated as a single inquiry by scoring models, so comparing lenders doesn't compound the impact. We'll explain exactly what we're pulling and when before we pull it.
What's the difference between pre-qualified and pre-approved?+
Pre-qualification is an estimate based on what you tell us. Pre-approval means we've actually verified your income and assets — which is why listing agents take it seriously and why we do it up front.
Can I refinance to remove mortgage insurance?+
Often, yes. If your home has appreciated or you've paid down the balance enough to cross the equity threshold, a refinance can drop mortgage insurance entirely. Call us and we'll run the numbers against your current loan before you commit to anything.
Ready to get pre-approved today?
Get a clear payment estimate, a fast pre-approval, and expert guidance from application to closing.