Yes, there are options, but there are certain requirements. Call our mortgage lenders today to learn more!

Yes, you can. Our mortgage lenders just need a two-year employment history. Though, it doesn't have to be the same employer.

Yes, our mortgage lenders can use your college transcript to make up for the two-year employment history requirement.

At Mario Lopez - Mortgage Express Loan Officer NMLS# 542133, our mortgage lenders are licensed in Oregon, Washington, and California. The loan broker industry has seen significant growth, with the market size increasing by an average of 12.5% per year between 2019 and 2024, according to IBISWorld. This expansion reflects the increasing demand for mortgage lending services, making it even more important to work with experienced professionals who understand the evolving market.

Our mortgage lenders specialize in a variety of loan types, including conventional loans, FHA, VA, USDA loans, jumbo loans, and other refinancing options.

While credit score requirements vary by loan type, according to our experience, most mortgage lenders offering conventional loans typically require a minimum score of 620, though some programs may allow for lower scores.

The pre-approval process involves submitting financial information such as income, credit, and employment history. It usually takes one to three days to receive a pre-approval decision once you provide all of your required documents to our mortgage lenders.

Yes, you can lock in your interest rate once you're under contract with our mortgage lenders. At our business, rate locks generally last between 30 to 60 days, though longer options are available.

You'll need to provide several key documents, including recent pay stubs, W-2 forms, tax returns, bank statements, and proof of assets. These documents help verify your income, employment, and financial stability for our mortgage lenders during the loan approval process.

Yes, you can qualify for regular, traditional loans, such as conventional and FHA. If you have any other questions, contact our mortgage lenders today!