Frequently Asked Questions
How much home can I afford?
Affordability depends on income, monthly debts, available funds, credit profile, loan program, taxes, insurance, and other factors. I can help you review the complete picture.
What credit score do I need?
Credit requirements vary by loan program and lender. Options may be available for a range of credit profiles.
How much money do I need for a down payment?
The amount varies by loan type and borrower eligibility. Some programs may allow low or no down payment, while others may require more.
How long does the mortgage process take?
Timing varies, but many transactions take approximately 30 to 45 days after application and contract. Property, documentation, appraisal, title, and underwriting factors can affect the timeline.
Can I lock my interest rate?
Rate-lock availability depends on the loan, property, timing, and market conditions. Whitney can explain available options during the process.
Should I get pre-approved before shopping?
A pre-approval can help you understand your potential budget and may strengthen an offer, but it is not a final loan approval.