The more you know, the smoother the process will go. These are the most common questions borrowers have. If you don’t see yours here, just ask.

Let’s clear things up.

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Start by connecting with a trusted lender (that’s us!). We’ll review your goals, financial picture, and help you understand your buying power before you start shopping. That way, you’re looking at homes that truly fit your budget and lifestyle.

Where do I even start if I want to buy a home?

Pre-qualification is an estimate based on what you tell us. Pre-approval is a verified, documented review of your finances. Our team only issues full pre-approvals—so when you make an offer, sellers know you’re serious.

What’s the difference between getting pre-qualified and pre-approved?

It depends on your loan type and goals. Some programs allow as little as 0–3% down, plus closing costs. We’ll help you build a clear picture of what’s needed and whether assistance options can help.

How much should I have saved before applying for a mortgage?

We’ll walk you through options like Conventional, FHA, VA, USDA, jumbo, and specialty programs, then match you with the one that fits your budget, timeline, and future plans. See all of our loan programs here. 

What loan options are available to me — and how do I know which one’s right?

*Number of days to close is not guaranteed and may vary based on individual client scenario.

How long does the mortgage process usually take?

On average, 30 days from contract to close. Sometimes faster if everything is ready to go.* Our team is known for quick, smooth closings.

What if I have student loans or a lower credit score? Can I still qualify?

Often, yes. We’ll help you understand how your credit and debt are calculated and offer strategies to strengthen your application.

Do I need to use a local lender? What’s the benefit of working with your team?

You’re not required to, but local expertise makes a big difference. We know the market, the agents, and how to keep things moving. Plus you’ll get fast, personal communication instead of a call center experience.

Can you help me understand closing costs and what they include?

Absolutely. We’ll break down lender fees, third-party costs, prepaids, and escrow so you know exactly where every dollar is going.

What happens after I’m approved? What are the next steps?

We’ll guide you through underwriting, appraisal, final approval, and closing day, keeping you updated every step of the way.

How involved will your team be throughout the process?

From your first call to handing you the keys, our entire team is on your side. You’ll never wonder what’s next or who to reach out to.

FAQs

Start by connecting with a trusted lender (that’s us!). We’ll review your goals, financial picture, and help you understand your buying power before you start shopping. That way, you’re looking at homes that truly fit your budget and lifestyle.

Where do I even start if I want to buy a home?

Pre-qualification is an estimate based on what you tell us. Pre-approval is a verified, documented review of your finances. Our team only issues full pre-approvals, so when you make an offer, sellers know you’re serious.

Where do I even start if I want to buy a home?

Pre-qualification is an estimate based on what you tell us. Pre-approval is a verified,
documented review of your finances. Our team only issues full pre-approvals—so when you make an offer, sellers know you’re serious.

It depends on your loan type and goals. Some programs allow as little as 0–3% down, plus closing costs. We’ll help you build a clear picture of what’s needed and whether assistance options can help.

Where do I even start if I want to buy a home?

We’ll walk you through options like Conventional, FHA, VA, USDA, jumbo, and specialty programs, then match you with the one that fits your budget, timeline, and future plans. See all of our loan programs here. 

Where do I even start if I want to buy a home?

*Number of days to close is not guaranteed and may vary based on individual client scenario.

On average, 30 days from contract to close. Sometimes faster if everything is ready to go.* Our team is known for quick, smooth closings.

Where do I even start if I want to buy a home?

Often, yes. We’ll help you understand how your credit and debt are calculated and offer strategies to strengthen your application.

Where do I even start if I want to buy a home?

You’re not required to, but local expertise makes a big difference. We know the market, the agents, and how to keep things moving. Plus you’ll get fast, personal communication instead of a call center experience.

Where do I even start if I want to buy a home?

Absolutely. We’ll break down lender fees, third-party costs, prepaids, and escrow so you know exactly where every dollar is going.

Where do I even start if I want to buy a home?

We’ll guide you through underwriting, appraisal, final approval, and closing day, keeping you updated every step of the way.

Where do I even start if I want to buy a home?

From your first call to handing you the keys, our entire team is on your side. You’ll never wonder what’s next or who to reach out to.

Where do I even start if I want to buy a home?

How involved will your team be throughout the process?

A:

What’s the difference between getting pre-qualified and pre-approved?

How much should I have saved before applying for a mortgage?

What loan options are available to me — and how do I know which one’s right?

How long does the mortgage process usually take?

What if I have student loans or a lower credit score? Can I still qualify?

Do I need to use a local lender? What’s the benefit of working with your team?

Can you help me understand closing costs and what they include?

What happens after I’m approved? What are the next steps?

Whether you're buying your first home, refinancing, or interested in a HELOC, reach out to us for clarity so you can make the best decision for your situation. 

Our loan application process is simple and easy to follow. 

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Gary V
Thurmond, NC

"The experience was fantastic. As a first time buyer, you made our experience smooth and easy. You were thorough and always kept us informed. My family can't thank you enough."

Brittany G
Lexington, NC

"Ally and her team went above and beyond to make this as less stressful for me as possible! They efficiently and timely answered every email, text and call. Amazing group of girls!"

Haley C
Lexington, NC

"Process was smooth and easy from start to finish. Any questions we had were answered very quickly. Thank you so much Ally and team!"

Brooke P
Advance, NC

"Working with your team was a pleasure! Everyone was very responsive and made a stressful process manageable."

Perry T
Dobson, NC

"Outstanding help across the board! The whole group really made this easy, efficient and fast. I will definitely use you again. Thank you for all your help."

Andrew B
Kernersville, NC

"Any question or concern I had was addressed in no time and left no doubt in my mind that I was in good hands. I will recommend anyone to you for their mortgage needs."

Cynthia R
Greensboro, NC

"Your whole team was amazing . The Whole process was so easy because of all the open communication and suggestions ."

Client experiences

VIEW MORE REVIEWS

Gary V
Thurmond, NC

"The experience was fantastic. As a first time buyer, you made our experience smooth and easy. You were thorough and always kept us informed. My family can't thank you enough."

Phillip N
Hickory, NC

"Someone always returned my phone call in a timely manner. The ladies were great to work with. Highly recommend!"

Marla B
Winston Salem, NC

"You were fantastic! By my side every step of the way and responsive as needed! I felt I was in good hands and taken care of."

Phillip N
Hickory, NC

"Someone always returned my phone call in a timely manner. The ladies were great to work with. Highly recommend!"

Marla B
Winston Salem, NC

"You were fantastic! By my side every step of the way and responsive as needed! I felt I was in good hands and taken care of."

Gary V
Thurmond, NC

"The experience was fantastic. As a first time buyer, you made our experience smooth and easy. You were thorough and always kept us informed. My family can't thank you enough."

Marla B
Winston Salem, NC

"You were fantastic! By my side every step of the way and responsive as needed! I felt I was in good hands and taken care of."

Phillip N
Hickory, NC

"Someone always returned my phone call in a timely manner. The ladies were great to work with. Highly recommend!"

Gary V
Thurmond, NC

"The experience was fantastic. As a first time buyer, you made our experience smooth and easy. You were thorough and always kept us informed. My family can't thank you enough."

Brooke P
Advance, NC

"Working with your team was a pleasure! Everyone was very responsive and made a stressful process manageable."

Brittany G
Lexington, NC

"Ally and her team went above and beyond to make this as less stressful for me as possible! They efficiently and timely answered every email, text and call. Amazing group of girls!"

Haley C
Lexington, NC

"Process was smooth and easy from start to finish. Any questions we had were answered very quickly. Thank you so much Ally and team!"

Brittany G
Lexington, NC

"Ally and her team went above and beyond to make this as less stressful for me as possible! They efficiently and timely answered every email, text and call. Amazing group of girls!"

Haley C
Lexington, NC

"Process was smooth and easy from start to finish. Any questions we had were answered very quickly. Thank you so much Ally and team!"

Brooke P
Advance, NC

"Working with your team was a pleasure! Everyone was very responsive and made a stressful process manageable."

Brittany G
Lexington, NC

"Ally and her team went above and beyond to make this as less stressful for me as possible! They efficiently and timely answered every email, text and call. Amazing group of girls!"

Haley C
Lexington, NC

"Process was smooth and easy from start to finish. Any questions we had were answered very quickly. Thank you so much Ally and team!"

Brooke P
Advance, NC

"Working with your team was a pleasure! Everyone was very responsive and made a stressful process manageable."

Cynthia R
Greensboro, NC

"Your whole team was amazing . The Whole process was so easy because of all the open communication and suggestions ."

Perry T
Dobson, NC

"Outstanding help across the board! The whole group really made this easy, efficient and fast. I will definitely use you again. Thank you for all your help."

Andrew B
Kernersville, NC

"Any question or concern I had was addressed in no time and left no doubt in my mind that I was in good hands. I will recommend anyone to you for their mortgage needs."

Perry T
Dobson, NC

"Outstanding help across the board! The whole group really made this easy, efficient and fast. I will definitely use you again. Thank you for all your help."

Andrew B
Kernersville, NC

"Any question or concern I had was addressed in no time and left no doubt in my mind that I was in good hands. I will recommend anyone to you for their mortgage needs."

Cynthia R
Greensboro, NC

"Your whole team was amazing . The Whole process was so easy because of all the open communication and suggestions ."

Perry T
Dobson, NC

"Outstanding help across the board! The whole group really made this easy, efficient and fast. I will definitely use you again. Thank you for all your help."

Andrew B
Kernersville, NC

"Any question or concern I had was addressed in no time and left no doubt in my mind that I was in good hands. I will recommend anyone to you for their mortgage needs."

Cynthia R
Greensboro, NC

"Your whole team was amazing . The Whole process was so easy because of all the open communication and suggestions ."

Client experiences

VIEW MORE REVIEWS

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