Questions about Home Loans? Here's some common ones I hear:
Rates are based on your credit, income, loan type, down payment, and market conditions — not just the lender you talk to. We compare 25+ lenders so you can see the best options you qualify for.
Usually just your ID, income info, and a quick overview of assets and debts. It takes most people less than 10 minutes.
A pre-qualification does not affect your credit. A full application may include a credit pull, but one inquiry has very little impact.
Most loans close in 25–35 days, depending on the lender and how quickly documents are provided.
A broker gives you access to multiple lenders at once, meaning better options, more flexibility, and no pressure from a “captive” loan officer.
Other common questions I get asked:
No — the website is free, and we only get paid when you apply for financing and your loan successfully closes, never upfront.
We provide access to FHA, VA, USDA, Conventional, Jumbo, DSCR, Refinance, and HELOC programs through 25+ lender partners.
Yes — VA and USDA loans offer 0% down, and FHA loans offer as low as 3.5% down for qualified buyers.
Pre-qualification gives you a quick estimate of what you can afford, while pre-approval verifies your documents and makes your offer much stronger.
To give you real-time market transparency so you can see national averages and understand how your rate compares — without any guesswork or sales fluff.
Ready to shop for the best mortgage and interest rate you can qualify for from 25+ Top Lenders?
It's kickoff time! If you're ready to see the competitive edge I can provide you through Valley Lending and the Lenders we partner with, throw down the beignets and let's get this Mardi Gras Parade started!