Resources
Frequently Asked Questions
We understand the mortgage process can feel overwhelming, so we’ve simplified the answers you need most.
What does it mean to work with Craig?
It means working directly with a dedicated mortgage professional who guides you from application to closing—making sure your loan process is smooth, transparent, and stress-free.
How do I know which mortgage type is right for me?
Craig helps you compare loan options like FHA, VA, and conventional loans to find the best fit for your credit, income, and long-term goals.
How much do I need for a down payment?
It depends on your loan program—some require as little as 3%, and certain buyers may even qualify for zero-down options. Craig can show you what’s possible.
What credit score do I need to qualify for a mortgage?
Most lenders look for a credit score of 620 or higher, but Craig works with multiple programs that can help buyers with less-than-perfect credit.
How long does it take to close on a home loan?
With Craig’s streamlined process and direct communication, most loans close in 21–30 days or sooner, depending on your readiness.
Can I get pre-approved before finding a home?
Absolutely. Craig offers fast, personalized pre-approvals so you can shop for homes confidently and make stronger offers.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification gives a general idea of what you can afford, while pre-approval verifies your financials—Craig always recommends pre-approval to give you an edge in the market.
