Frequently Asked
Questions.

No. This is the most common myth in home buying. Several loan programs allow significantly less, and down payment assistance programs exist in nearly every state I lend in. Many buyers who assumed they needed 20% discover they need far less.

Many of the programs I work with have a minimum around 580. A higher score generally improves your pricing and options, but a lower score does not automatically disqualify you. The only way to know where you stand is to look at your full picture, not just the score.

No. The Homeownership Readiness Score™, the Starter Pack™ and the Mortgage Map™ Review all require no credit pull and no Social Security number. A credit check only happens later, with your authorization, if you choose to move forward with an application.

A free 20-minute conversation that produces a personalized, documented roadmap for your situation: your recommended loan strategy, estimated monthly payment, down payment assistance programs you qualify for, your real cash-to-close number, and a specific action plan. It is yours to keep whether or not you work with me.

Five questions covering your credit range, income situation, savings, monthly payment comfort and timeline. It takes about 60 seconds and gives you an instant readiness snapshot plus your next best step. It is educational only, not a loan approval or pre-qualification.

South Carolina, North Carolina, Georgia, Florida and Ohio.

Most people finish the secure online application in about 10 minutes, and you can save your progress and come back later if you need to pause.

Commonly a government-issued ID, income documentation such as W-2s or tax returns, recent pay stubs, recent asset statements, your Social Security number for identity verification and credit authorization, and property information if you have already identified a home. These are common examples, not a promise that every item applies to you.

That is exactly who this is built for. Starting early gives you time to understand your numbers, improve your position and build a realistic plan. Plenty of people I work with are six to twelve months out when we first talk.

Self-employed and commission-based buyers absolutely qualify. The documentation looks different than it does for a W-2 buyer, which is precisely why having a plan in place early matters more in your case.

No. Starting an application begins the review process and lets us discuss your options. It does not require you to accept a loan. You review the numbers, ask questions and decide before anything moves forward.

No. The Readiness Score™, the Starter Pack™ and the Mortgage Map™ are educational tools. They are not a loan approval, loan commitment, pre-approval, pre-qualification or credit decision. Final eligibility is subject to a full application, documentation review, underwriting approval, property approval and applicable program guidelines.