Get In Touch
Fill this out and I'll follow up within one business day — usually sooner. No obligation, no hard credit pull to start.
Serving the Treasure Coast and all of Florida.
Recent pay stubs, last two years of W-2s or tax returns, and two months of bank statements speed up pre-qualification — but don't wait to have everything before reaching out.
The YouTube channel covers most first questions before you even need to ask them.
Common Questions
Initial pre-qualification is typically based on self-reported information and a soft inquiry, not a hard pull. A hard credit check happens later, only once you're moving toward a formal pre-approval — I'll always tell you before that happens.
It depends on the program. FHA loans can work with lower scores than conventional loans, and VA loans don't have a hard published minimum. The honest answer is: reach out and I'll tell you where you stand for your situation.
Less than most people think. FHA starts at 3.5%, some conventional programs allow 3%, and VA loans can go to 0% for eligible veterans. 20% avoids PMI but isn't required to buy.
Typically 30–45 days from a fully executed contract, depending on the loan program and how quickly documentation comes together. I'll give you a realistic timeline specific to your file, not a generic number.