Frequently Asked Questions
FAQs provide quick answers to common questions, improving customer experience and reducing support requests
Popular Question
We offer a free home valuation service! Simply fill out the "My Home Value" form on our website, and our team will provide you with an expert estimate based on market trends and property data.
We specialize in prime locations across California, including Newport Beach, Huntington Beach, Westminster, Garden Grove, and more. Check out our Attractive Locations section for details.
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Mortgage Questions
Most lenders require a credit score of at least 620 for a conventional loan, but FHA loans may be available with scores as low as 580. Higher credit scores often qualify for better interest rates.
The required down payment varies by loan type:
- Conventional Loan: Typically 5-20%
- FHA Loan: As low as 3.5%
- VA & USDA Loans: 0% (for eligible buyers)
Common mortgage options include:
- Fixed-Rate Mortgage: Stable interest rate for the loan term.
- Adjustable-Rate Mortgage (ARM): Interest rate changes periodically.
- FHA Loan: Lower down payment, government-backed.
- VA Loan: Exclusive to veterans and active military.
- Jumbo Loan: For high-value properties exceeding loan limits.
To get pre-approved, you’ll need to submit financial documents like proof of income, credit history, employment details, and bank statements to a lender. Pre-approval helps you understand your budget and strengthens your offer when buying a home.
Your interest rate depends on:
- Credit score & financial history
- Loan amount & term length
- Down payment size
- Current market conditions
- Debt-to-income (DTI) ratio
Yes! Refinancing allows homeowners to secure a lower interest rate, reduce monthly payments, or shorten their loan term. It’s a great option if rates have dropped or if your financial situation has improved.
DOWNLOAD the FREE MLS APP BELOW to SEARCH NEW LISTINGS in REAL-TIME
ACCESS THE LATEST MLS LISTINGS
Download the MLS-CLIENT App!
If you’re looking for the most current and updated property listings, our MLS-CLIENT app gives you direct access to the Multiple-Listing-Services (MLS) in real-time! This app provides you with an easy-to-use platform to search for properties, view details, and stay informed about new listings as they hit the market.

How to Get Started:
- Click this direct link https://mls-client.com/DD45E58D to download the MLS-CLIENT app onto your computer or mobile phone (IOS or Android)
- The app is 100% FREE to download and use.
- If asked, please enter the access code DD45E58D to download and unlock full property search capabilities.
With the MLS-CLIENT app, you’ll have up-to-date real estate listings at your fingertips anytime, anywhere. Don’t miss out on your dream home—download the app today and start searching for your new home!
Download Now: https://mls-client.com/DD45E58D
For any questions or assistance, feel free to contact us: [email protected]