It varies depending on the loan type. Some loans require as little as 3%, while others may require 20% for better rates.

Key factors include your credit score, loan amount, down payment, loan term, and the current market rates.

Yes, most lenders allow early payments, but some may charge prepayment penalties. Check with your lender for details.

Our expert brokers will assess your financial goals and guide you to the best mortgage solution tailored to your needs.

PMI is insurance that protects the lender if you default on your loan, typically required if your down payment is less than 20%.

The process usually takes 30 to 45 days but can vary depending on the complexity of your application.

We believe in transparency. We'll provide a clear breakdown of all costs, including application fees, closing costs, and any other charges.

Yes, self-employed individuals can qualify for a mortgage. You'll need to provide additional documentation, like tax returns and business financial statements.

Rates can change daily based on market conditions. We monitor rates closely to help you lock in the best possible deal.