Frequently Asked
Questions

No worries — it happens more often than people think, and it’s not the end of the road. If a lender comes back with a counter offer (like a higher down payment or different terms), we’ll explain it clearly and talk through your options. If you're denied, we’ll work with you to figure out next steps — whether that means trying a different lender, improving your credit, or looking at other solutions. We're here to help, not pressure you.

In most cases, we recommend selling your current home privately. While trade-ins might seem convenient, they often come with extra costs and complications for both you and us. Selling privately usually gets you more money and a smoother process overall — and we're happy to guide you on the best way to do that if needed!

We work with a variety of lenders who offer different programs to fit different credit profiles — including those with low or no credit history. We’ll help you explore all your options and figure out what works best for your situation.

Absolutely! We work with multiple lenders to help you find financing that fits your situation. Our team will walk you through the process step by step — from application to approval.

You don’t need to have it all figured out — that’s what we’re here for. But if you’re ready to start the process, it helps to have: A general budget in mind An idea of your credit score - a guesstimate is totally fine! An idea of what you want in a home We’ll handle the rest from there!

That depends on your lender and loan type, but many financing options do require a down payment. We’ll help you understand what’s required and what programs may be available to reduce upfront costs.

Yes! Getting pre-approved is a great way to see what you qualify for and feel more confident moving forward. It also helps us show you homes that match your budget right away.

That depends on your credit and income. Some buyers benefit from adding a co-signer to strengthen their application, but it’s not always required. We’ll help you understand what works best for your situation.

In most cases, financing approval takes just a few days. Once you're approved, we can move forward quickly with choosing your home and scheduling closing and delivery.