Frequently Asked Questions
The first step is a simple, no-obligation conversation. You can call me at (702) 232-9140 or send an email. We’ll discuss your financial situation, your homeownership goals, and outline the next steps, including getting pre-approved.
Pre-qualification is a quick estimate of how much you might be able to borrow based on self-reported information. Pre-approval is a much stronger step; it involves a formal application and a thorough review of your finances and credit. A pre-approval letter shows sellers you are a serious and capable buyer.
While it varies by loan type, you should generally be prepared to provide:
- Recent pay stubs.
- W-2 forms for the last two years.
- Federal tax returns.
- Bank statements.
- A copy of your driver’s license.
I will provide you with a detailed checklist tailored to your specific situation.
Absolutely. Many loan programs, such as FHA loans, are designed for borrowers with more flexible credit requirements. We can review your credit report together and find the best loan program that fits your profile.
From application to closing, the process usually takes between 30 to 45 days. This timeline can vary depending on the complexity of the loan, the appraisal process, and how quickly all necessary documentation is provided. I’ll keep you informed every step of the way.
Working with a local expert means you get personalized, one-on-one attention. I have in-depth knowledge of the Clark County market and am readily available to answer your questions. Unlike a call center, you’ll have a single point of contact dedicated to securing the best possible loan for you.