Low or no down payment?
We have programs designed to help you get there.
— Pre-Qualify
Your pre-qualification process, step by step.
Buying a home starts with one simple question: where do your numbers stand today? Here’s exactly how we get you that answer — clearly, quickly, and without the guesswork.
— Tu Realtor, Anticomunista
Because when it’s time to close, “yo te cierro como una lata de leche.”
— Step 1
Schedule a quick consultation call.
The first step is easy — book a short call with our team. This conversation helps us understand your situation: are you a first-time buyer, or are you looking at a second property? Every path is different, and this call sets the direction for everything that follows.
Schedule your call →— Step 2
Want the full picture? Send us your documents.
If you want a real, detailed answer on how much you can qualify for, the next step is preparing your documents. Once we have your official information, we’ll set a new appointment to walk you through exactly where your numbers stand today — so you know in detail what you can access right now, and where you may need to improve.
— Documents to prepare
- ✓Tax returns, last 2 years (personal and/or business, if applicable) — include all pages with W-2 and/or 1099 forms
- ✓Most recent bank statement (personal and/or business, if applicable) — include all pages
- ✓Last 3 pay stubs (if applicable)
- ✓Photo/copy of your driver’s license or ID
- ✓Most recent mortgage statement/bill (if applicable)
- ✓Copy of your homeowner’s insurance policy (if applicable)
- ✓Current employer contact information (reference name, phone number, and email)
Note: if you’ve been at your current job less than 2 years, please provide the same information for your previous employer.
No perfect numbers? There’s still a path forward.
Maybe your down payment isn’t where you’d like it to be. Maybe your taxes don’t tell the full story of your income. Whatever the challenge, there’s a solution. Our job is to find yours.
Taxes don’t reflect your real income, but your cash flow is strong?
Ask us about our Bank Statement Program, using your last 12 pay stubs to get a clearer, more accurate picture of your qualifying power.
Credit needs work?
We’ll show you exactly what to improve and how to move forward strategically.
— How long does it take?
The timeline is in your hands.
The process only takes as long as it takes you to send us your documents. Once we receive them, you’ll have your estimates in as little as 48 hours.
— When do we run your credit?
Only once you’re ready.
We only run your credit once you’re confident about starting your home search in the location that works for you, backed by estimates that actually make sense. That way, when the right property comes along, we’re ready to move fast with your pre-approval letter in hand — the document that makes any offer you submit truly valid.