FAQs

🇺🇸 FREQUENTLY ASKED MORTGAGE QUESTIONS – U.S. CLIENTS

​

1. What types of loans do you offer?

​

We offer Conventional, FHA, VA, Jumbo, and Foreign National loans — perfect for first-time buyers, U.S. citizens, and international clients.

​

2. How much do I need for a down payment?

​

It depends on the loan type:

• FHA: as low as 3.5%

• Conventional: 3–20%

• Foreign Nationals: usually 20–30%

• ​

3. Do I need perfect credit?

​

No. We work with many credit profiles. FHA loans accept credit scores starting at 580. Foreign nationals don’t need U.S. credit history.

​

4. Can I get a loan if I’m not a U.S. citizen?

​

Yes. We offer loan programs specifically for non-resident foreign nationals, including Brazilians.

​

5. What’s included in my monthly mortgage payment?

​

• Principal

• Interest

• Property taxes

• Homeowner’s insurance

• (Sometimes) Mortgage insurance

​

6. How long does the mortgage process take?

​

Typically 30 to 45 days, depending on the loan type and documentation.

​

7. Do I need to be in the U.S. to close the loan?

​

No. Closings can often be done remotely or via power of attorney.

​

8. Is there a penalty if I pay off early?

​

Most loans today do not have a prepayment penalty — but we’ll review the details with you upfront.

Interest Rates and Terms

Our competitive interest rates and flexible terms set us apart in the mortgage market. We offer a range of options to suit your financial goals and ensure transparency throughout the borrowing process.

Refinancing Opportunities