FAQs
Need Help? Find Answers to Our Popular Questions
You’ll typically need proof of income (pay stubs, tax returns), credit history, bank statements, and identification. Some loans may also require additional paperwork like employment verification or asset details. Don’t worry—our team will give you a personalized checklist to make the process smoother.
While it’s not mandatory, being pre-approved shows sellers you’re serious and financially prepared, which gives you an edge in competitive markets. It also helps you set a realistic budget for your home search.
The right loan depends on your financial goals, how long you plan to stay in the home, and your current savings. We’ll explain options like fixed-rate mortgages, FHA loans, and VA loans to help you make the best decision.
Start by paying off outstanding debt, keeping your credit utilization low, and avoiding new credit inquiries. Regularly check your credit report for errors. We’ll guide you with quick wins to boost your score.
Yes, self-employed applicants can qualify! You’ll need to provide additional proof of income, such as tax returns, profit-and-loss statements, and bank records. We specialize in helping self-employed clients navigate the process.
Don’t worry! Many loan programs, such as FHA or VA loans, allow for down payments as low as 3.5%. We can guide you toward programs that work with your current savings and financial goals.
The time it takes to get approved can vary, but typically it can take anywhere from a few days to a few weeks. Factors like the complexity of your financial situation and the type of loan you apply for will affect the timeline.
First-time buyers often qualify for special programs like FHA loans or down payment assistance programs. These can help lower your upfront costs and make homeownership more affordable. We can help you choose the best mortgage for your needs.
Mortgage rates are influenced by market conditions, your credit score, and the type of loan you choose. We’ll help you find the best possible rate based on your unique financial situation.
Closing costs are the fees associated with finalizing your mortgage and purchasing the home. These can include inspection fees, insurance, taxes, and other charges. Typically, closing costs range from 2-5% of the home’s purchase price. We’ll walk you through the process to ensure you’re fully prepared.
Testimonial
what people say about our services ?
Real results, stunning service, and satisfied clients.
I was really struggling to understand the mortgage process, but Realty King Mortgage made everything so easy. Their team walked me through every step, from getting pre-approved to closing the deal. They not only found me at a great rate but also helped me navigate the paperwork with ease. Thanks to them, I’m now a proud homeowner, and I couldn't have done it without their expertise. Highly recommend it to anyone looking to buy a home!
As an investor, I was looking to refinance my property portfolio to take advantage of better rates. Realty King Mortgage understood my needs and found the perfect refinancing options that fit my goals. The team was professional and proactive, making sure the process was smooth and fast. Thanks to their efforts, I’m saving more each month and can continue to grow my investments. I’ll definitely turn to them again for any future financing needs!
I can't thank RKM enough for helping me secure my first home. From the start, their team was incredibly supportive, answering all my questions and offering clear guidance. They worked with me to find the best loan options, tailored to my financial situation. The process was smooth, stress-free, and I felt confident every step of the way. With their expertise and outstanding customer service, I was able to secure a great rate and make my dream home a reality. I highly recommend RKM to anyone looking to buy or refinance their home!
