Which type of mortgage is best for me?

* Working with 100+ lenders we will help you find the best program to meet your goals. Find mortgage options and solutions here.

How do I know what lender is best for me?

* We believe there is no single lender that is the best option for everybody. They have different programs and guidelines. Working with 100+ lenders we will help you find the best fit for your home purchase or refinance.

How do I get Pre-approved?

* You can fill out an application on our website "Apply Now" with no cost or obligation.

What is the cost for pre-approval?

* There is no cost for information and pre-approval with JZ Mortgage. Other companies may charge application and/or pre-approval fees.

What documentation do I need?

* Documentation depends on the loan program. We have a wide variety of programs including limited documentation and no income verification programs. Here's a link to the standard documentation for most loan programs.

What exactly is Underwriting?

* This is the review process where the lender will review your application and credit for your conditional loan approval.

How much does an appraisal cost?

* Appraisals typically cost $450-$500 and is not refundable. They can sometimes cost more.

What are the requirements for obtaining a conventional loan?

* The requirements for obtaining a conventional loan typically revolve around creditworthiness, credit score, financial stability, down payment, employment and income verification, debt-to-income ratio (DTI), property type, property condition, property value, loan amount, and loan to value (LTV).

How do down payment requirements vary for first-time home buyers?

* Down payment requirements for first-time home buyers can vary widely depending on eligibility, location, income, and loan programs. Conventional loans typically require a minimum of 3% down, but the exact percentage can vary. We can help you find available down payment assistance programs designed specifically for first-time buyers to make homeownership more accessible.

*WE CAN NOT SCHEDULE YOUR CLOSING UNTIL YOUR LOAN IS CLEAR TO CLOSE*

*LENDERS RESERVE THE RIGHT TO ASK FOR ADDITIONAL INFO & ITEMS PRIOR TO CLOSE*