Frequently Asked Questions

What is down payment assistance?

Down payment assistance helps cover the upfront costs of buying a home. These programs offer grants, low-interest loans, or forgivable loans to eligible homebuyers—making it easier to afford your dream home.

Do I qualify for down payment assistance?

Eligibility varies depending on income, credit score, and location. Many programs are designed for first-time homebuyers, but some options are available for repeat buyers as well. I can help you determine which programs you qualify for during a free consultation.

Do I need perfect credit to qualify for a mortgage?

No, you don’t need perfect credit. Many loan programs are available for buyers with credit scores as low as 500 and I offer soft credit checks that won’t affect your score.

How much money do I need for a down payment?

The amount varies based on the loan program you qualify for. Some down payment assistance programs allow you to buy a home with as little as 0% down, depending on eligibility.

What documents do I need to get started?

To begin the mortgage application process, you’ll typically need:

proof of income(pay stubs, tax returns), employment verification, bank statements and photo identification(driver’s license or passport)

How long does it take to get pre-approved?

I can typically provide pre-approval within 24-48 hours once I have all the required documents. I also offer soft credit pulls, so you can get pre-qualified without affecting your credit score.

What areas do you serve?

I’m licensed to assist clients in Florida, Pennsylvania, and Georgia. If you're buying a home in any of these states, I can help you find the best mortgage options available.

How can I get started?

It’s simple! Just schedule a free consultation to discuss your homebuying goals, explore down payment assistance options, and get pre-qualified without impacting your credit score.