Question 1

Does applying affect my credit score?

Accepted Answer

Our initial pre-qualification uses a soft credit pull that doesn't affect your score. A hard credit inquiry only happens when you formally apply, and it typically impacts your score by less than 5 points.

Question 2

How long does the questionnaire take?

Accepted Answer

Our loan matching questionnaire takes about 2 minutes to complete. We ask 7 simple questions about your income type, property goals, and financial situation to match you with the best loan programs.

Question 3

What happens after I complete the questionnaire?

Accepted Answer

After you submit, a loan officer will review your answers and contact you within 24 hours with personalized loan options. You'll receive a call or email based on your preference.

Question 4

What credit score do I need for a NON-QM loan?

Accepted Answer

Most NON-QM programs require a minimum 620 credit score, though some accept scores as low as 500. Higher credit scores get better rates. We work with lenders across the credit spectrum.

Question 5

How much down payment do I need?

Accepted Answer

Down payment requirements range from 10% to 25% depending on the loan program, property type, and credit score. Investment properties typically require 20-25% down, while primary residences may qualify with 10-15%.

Question 6

Is my information secure?

Accepted Answer

Yes, all information you provide is encrypted and protected. We never share your personal data with third parties without your consent. NS Funding follows strict data security protocols.

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Questionnaire FAQs