More than most people expect. Stockton offers conventional loans along with government-backed options like FHA and VA loans for borrowers who qualify. Which one fits depends on your credit, your income, your savings, and the home you’re buying. Michael’s job is to lay the choices side by side so you can see the trade-offs.

Refinancing can change your interest rate, your loan term, or your monthly payment. Whether it’s worth doing depends on your current loan, your equity, your closing costs, and how long you plan to stay in the home. Michael will run your actual numbers instead of a general estimate.

You don’t need a full plan to start the conversation. A pre-qualification gives you a realistic picture of what you could borrow, what you’d need saved, and what to work on before you shop. There’s no obligation to find out where you stand.

Just the basics to begin — your rough income, your monthly debts, and an idea of your budget. Michael can start a conversation from that. Full documentation like pay stubs, tax returns, and bank statements comes later, once you decide to move forward.

Possibly. Credit is one factor lenders weigh alongside income, debt load, employment history, and down payment. Different loan programs set different credit expectations, so a score that rules out one option may still work for another. Michael can tell you where you stand.

It varies. Timelines depend on the loan type, the appraisal, title work, and how quickly your documents come back. Michael will set expectations for your situation up front.