The Process
Simple Process
Five simple steps from your first conversation to the keys in your hand — with bilingual support throughout.
Step 01
Free Consultation
Pale ak nou — Talk to us
Start with a no-obligation consultation in English or Kreyòl. We listen to your goals, review your financial situation, and explain every option available to you. No pressure, no jargon — just honest guidance.
- Available by phone, video, or in person
- Bilingual support in English & Kreyòl
- Review your income, credit, and savings
- Understand your buying power
Free Consultation
Pale ak nou — Talk to us
Step 02
Pre-Approval
Jwenn lèt pre-apwobasyon ou
We gather your documents and submit your application to get you pre-approved. A pre-approval letter shows sellers you are a serious buyer and tells you exactly how much home you can afford.
- Submit income & employment documents
- Credit check and review
- Pre-approval letter in as little as 24 hours
- Lock in your rate when ready
Pre-Approval
Jwenn lèt pre-apwobasyon ou
Step 03
Find Your Home
Jwenn kay ou reve a
With your pre-approval in hand, you shop for your home with confidence. We work alongside your real estate agent and stay available to answer any mortgage questions that come up during your search.
- Shop with confidence using your pre-approval
- We coordinate with your real estate agent
- Answer mortgage questions in real time
- Review purchase contracts with you
Find Your Home
Jwenn kay ou reve a
Step 04
Loan Processing
Pwosesis prè ou
Once you have a signed contract, we process your loan. Our team handles the appraisal, title search, underwriting, and all the paperwork — keeping you informed every step of the way.
- Home appraisal ordered and reviewed
- Title search and insurance
- Underwriting and final approval
- Clear-to-close notification
Loan Processing
Pwosesis prè ou
Step 05
Close & Move In
Fèmen ak antre nan kay ou
You sign your final documents, the funds are transferred, and you receive the keys to your new home. We celebrate this milestone with you — because your dream of homeownership is our mission.
- Review closing disclosure together
- Sign final loan documents
- Receive your keys
- Welcome to your new home!
Close & Move In
Fèmen ak antre nan kay ou
Common Questions
Frequently Asked Questions
How long does the mortgage process take?
From pre-approval to closing, the typical timeline is 30–45 days. Pre-approval alone can happen in as little as 24 hours.
What documents do I need to get started?
You will need recent pay stubs, W-2s or tax returns (2 years), bank statements (2–3 months), and a valid government-issued ID.
Can I get a mortgage if I am self-employed?
Yes. Self-employed borrowers typically need 2 years of tax returns and a CPA letter. We have experience helping self-employed Haitian business owners qualify.
Do I need a perfect credit score?
No. FHA loans accept scores as low as 580, and we work with buyers across a wide range of credit profiles. We can also help you improve your score before applying.
Is there help for the down payment?
Yes. There are state and local down payment assistance programs available in many areas. We will identify every program you qualify for during your consultation.
Ready to Start Your Journey?
Get your free consultation today — in English or Kreyòl. No obligation, no pressure.