What's the difference between you and a big bank?+
Banks often route you to whoever is free that day. With me, you have one advisor from the first call to closing, and Homespire's in-house underwriting behind me means decisions don't sit in someone else's queue.
How much do your services cost?+
The first conversation, the loan match quiz and the Loan Estimate review are all free. If we work together, every fee is shown on your Loan Estimate before you commit to anything. No surprises at the closing table.
Do I need perfect credit to buy a home?+
No. FHA works with scores as low as 580, and VA loans are flexible too. If your credit needs work, I'll tell you exactly what to fix and how long it should take.
How much do I need for a down payment?+
Less than most people think. Conventional loans start at 3% down, FHA at 3.5%, and VA and USDA can be $0 down for eligible buyers. Down payment assistance may also be available in your state.
How long does it take to close?+
Most loans close in 21–30 days from an accepted offer. Because I underwrite up front at pre-approval, the part after your offer usually goes faster. See the full roadmap →
Will talking to you hurt my credit?+
No. Our first conversation and the loan match quiz don't touch your credit. When you're ready for pre-approval, I'll tell you before any credit check happens.
Should I refinance right now?+
Maybe. It depends on your break-even: how many months it takes for the savings to cover the closing costs. If a refinance doesn't save you money, I'll tell you. Read the refi math →
