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Whether you have a quick question or are ready to start your application, our team responds fast and is always happy to help.
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Contact Information
Our team is available to answer questions, discuss your loan options, and guide you through the application process.
Office Hours
Mon – Fri: 9am – 6pm EST
Saturday by appointment
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FAQ
Frequently Asked Questions
Our typical pre-approval timeline is 24 to 48 business hours after we receive your completed application and supporting documents.
Full pre-approval requires a hard credit pull, which may cause a small, temporary dip in your score. Rate shopping with multiple lenders within a 14-45 day window is typically counted as a single inquiry.
We offer Conventional, FHA, VA, USDA, Construction, DSCR, Hard Money, Bank Statement, Reverse Mortgage, and HELOC loans through our network of 250+ lenders.
There’s a small fee for the credit pull, which is refunded at closing. We do not charge upfront application fees. Lender fees, appraisal costs, and closing costs will be disclosed clearly in your Loan Estimate before you commit to anything.
Yes. We specialize in bank statement loans that allow self-employed borrowers to qualify using 12-24 months of personal or business bank statements instead of tax returns.
Requirements vary by program. In rare circumstances, FHA loans can be approved with a credit score as low as 530. Conventional loans typically require 620+. DSCR and hard money loans have different criteria. Contact us to discuss your specific situation.
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What Our Clients Say
Real stories from real homeowners, investors, and borrowers who trusted Next Key Mortgage.
