Question 1

What happens during a consultation?

Accepted Answer

During your free 30-minute consultation, a licensed loan officer will review your financial situation, explain your loan options, and answer any questions. There's no obligation to proceed.

Question 2

How should I prepare for my consultation?

Accepted Answer

Have a general idea of your income, credit score range, and property goals. You don't need documents for the initial call—we'll tell you what's needed if you decide to move forward.

Question 3

How long does it take to close a NON-QM loan?

Accepted Answer

Most NON-QM loans close in 21-30 days from application to funding. Complex files may take longer. Having your documents ready upfront helps us close faster.

Question 4

Can I get pre-approved before finding a property?

Accepted Answer

Yes, we provide pre-approval letters within 24-48 hours that show sellers you're a qualified buyer. Pre-approval locks in your rate and gives you a competitive edge in hot markets.

Question 5

Can I reschedule my consultation?

Accepted Answer

Yes, you can reschedule or cancel your consultation at any time. Simply reply to your confirmation email or call us at (800) 921-4858 to change your appointment.

Question 6

Are NON-QM loan rates higher than conventional mortgages?

Accepted Answer

NON-QM rates are typically 0.5% to 2% higher than conventional rates because they serve borrowers who don't fit traditional guidelines. The exact rate depends on your credit score, down payment, and loan program.

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