Answers to Your Most Common Mortgage Questions
You don’t need to save 20% to buy a home here. Many of our clients begin with just 3% down, and some even qualify for zero-down programs like VA or USDA loans. Last month, we helped 18 families close with under 5% down. Wondering what you qualify for? Let’s chat! We’ll explore your best options and show you how achievable homeownership can be.
Yes, you can. Life doesn’t always go as planned, and credit scores can take a hit. The encouraging news? A perfect score isn’t required to buy a home. We regularly help buyers with credit scores between 580 and 640 get approved. Not sure where you stand? We’ll walk you through a free, no-pressure credit review, no impact to your score.
Most Parker home loans close in 25 to 35 days with our fast-track approach. Getting pre-approved early gives you a head start and can help your offer stand out in a competitive market. Want to move faster? Let’s kick off your fast-track pre-approval and keep things moving.
Yes, first-time buyers in Parker have access to a variety of down payment assistance programs, including up to $15,000 in financial support. Local options like La Paz County’s “Pathway to Purchase” are still active and can help cover upfront costs. If you’re buying your first home, we’ll walk you through the programs you may qualify for and help you take advantage of every opportunity.
It’s a simple process. To get started, you’ll usually need your two most recent pay stubs, two months of bank statements, the last two years of tax returns, and a valid photo ID. We’ll send you a personalized checklist so you know exactly what’s needed, and you can easily upload everything right from your phone in just a few minutes.
