Questions, answered

A pre-qualification is an initial estimate based on information you provide. A pre-approval generally involves review of financial information and credit, but its scope varies. Neither guarantees final approval; property review, underwriting and other conditions may remain.

A conversation or contact request through this website does not check credit. A lender may use a soft or hard inquiry at different application stages. Ask which inquiry is required and authorize it before proceeding.

Down payment and funds-to-close requirements depend on the program, property and your circumstances. Eligible borrowers may have access to low-down-payment options or assistance. Availability and assistance conditions must be confirmed.

Closing timing depends on the lender, property, title, appraisal, documentation and underwriting. Ask Ian for a timeline based on your specific transaction. No closing or funding date is guaranteed.

Credit requirements vary by program and lender. A score alone does not determine qualification or pricing; income, debts, assets, property and the full application also matter.

Self-employed borrowers may have several documentation routes to explore. Depending on the lender and program, review may use tax returns, bank statements or other supported records. Qualifying income and approval require an individual assessment.

Debt-to-income compares monthly obligations included by the program with qualifying monthly income. Lenders determine which income and debts count. It is one factor among several in underwriting.

Closing expenses can include lender and third-party fees, prepaid taxes and insurance, and escrow deposits. Credits may be available subject to program rules. Required disclosures and timing depend on the loan type; a contact request is not a Loan Estimate.

Compare the upfront cost with potential savings and how long you expect to keep the loan. A simple break-even calculation is a starting point; balance changes, term, fees and future plans also matter.

Compare the new loan’s costs, payment, balance, term and total interest with keeping your current mortgage. A lower payment may come from a longer term and can increase total interest. Savings and approval are not guaranteed.

Ian’s saved service-state list is shown on the licensing page. Check current license information through NMLS Consumer Access. Program availability varies by state.

There is no charge for an initial conversation with Ian, and no obligation to apply. Ask about any application, appraisal, credit-report or other transaction charges before authorizing services.