Qualification criteria typically include factors such as credit score, income, employment history, and debt-to-income ratio. We can help assess your eligibility and guide you through the process.

Pre-qualification gives an estimate of how much you may be able to borrow, while pre-approval is a more thorough process that confirms your eligibility based on a review of your financial documents.

The approval process can vary, but it typically takes a few days to a few weeks. Factors such as document submission, property appraisal, and lender processing times can affect the timeline.

Closing costs include fees associated with finalizing your mortgage, such as appraisal fees, legal fees, and title insurance. The amount can vary, but it is typically around 2-5% of the home's purchase price.

While a good credit score can enhance your options, there are mortgage programs available for individuals with less-than-perfect credit. We can explore suitable options based on your specific situation.

Yes, most mortgage agreements allow for prepayment. You can make additional payments or choose to refinance to pay off your mortgage faster. However, it's important to review your mortgage terms for any prepayment penalties.