How quickly can I get a mortgage pre-approval in Dare County?
Shane Cook claims five-minute pre-approvals and same-day loan approvals, while CMG Home Loans lists faster turn-times. Actual timing depends on documentation, credit review, and the loan program.
What should I compare when choosing a mortgage broker?
Compare the loan programs available, interest rate, lender fees, points, estimated cash to close, and rate-lock terms. Ask for a Loan Estimate so costs can be compared in the same format.
Which mortgage options may help self-employed or low-down-payment buyers?
Shane Cook lists bank statement loans for self-employed borrowers and FHA, USDA, VA, down-payment-assistance, and other low-down-payment programs. Eligibility and required documentation vary by program.
How long can a mortgage rate be locked while buying a home?
Shane Cook lists 60-, 75-, and 90-day rate-lock options that do not require a signed contract. Confirm whether the lock has a fee and what happens if closing is delayed.