A: A hard credit pull for a mortgage causes a small temporary dip — typically 3-5 points. Multiple mortgage inquiries within 45 days are treated as a single inquiry by the credit bureaus. The impact is minimal and temporary. Getting pre-approved is always worth it.

A: Most pre-approval letters are valid for 120 days. If you haven't found a home in that time, we simply refresh the credit pull and re-issue. Your financials don't expire only the letter date.

A: It depends on the employment type. W-2 employees who recently changed jobs within the same field can often qualify immediately. Those who changed industries may need 30 days of pay stubs at the new job. Self-employed borrowers typically need 2 years of self-employment history. Call us with your specific situation and we will tell you exactly where you stand.

In most cases we can issue a same-day pre-approval. Call us at (843) 569-7283 or apply online

A: We walk you through exactly why, which factor is the limiting one (income, debt, credit, or down payment) and what it would take to increase your approval amount. Sometimes the answer is paying down a specific debt. Sometimes it is waiting 60 days for a credit score improvement. We give you a concrete action plan, not a vague answer.

A: We walk you through exactly why — which factor is the limiting one (income, debt, credit, or down payment) and what it would take to increase your approval amount. Sometimes the answer is paying down a specific debt. Sometimes it is waiting 60 days for a credit score improvement. We give you a concrete action plan, not a vague answer.