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Most lenders require proof of income, recent pay stubs, tax returns, bank statements, identification, employment information, and details about your assets and debts.

Pre-qualification provides an estimate of how much you may be able to borrow based on basic financial information. Pre-approval is a more detailed review of your finances and strengthens your position when making an offer on a home.

Your interest rate is influenced by your credit score, loan amount, loan type, down payment, debt-to-income ratio, property type, and current market conditions.

A fixed-rate mortgage keeps the same interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) starts with a fixed rate for an initial period before adjusting based on market conditions.

Most mortgage loans close within 30 to 45 days, although the timeline can vary depending on the loan type, documentation, appraisal, and underwriting process.

Yes. Many first-time homebuyers qualify for FHA loans, down payment assistance programs, grants, or other financing options designed to make homeownership more affordable.

Minimum credit score requirements vary by loan program. Higher credit scores generally qualify for lower interest rates and better loan terms, but several programs are available for borrowers with moderate credit.