Everything you need to know about Montegrappa and how it supports your business

Mortgage brokers are often a better option than direct lenders like Wells Fargo and Rocket Mortgage because they have access to a wider range of loan options from multiple lenders that don't deal directly with borrowers. This allows brokers to shop around and find more competitive rates and terms that can save borrowers money in the long run. It's important to note that while mortgage brokers can only charge up to 2.75% of the loan amount legally, direct lenders like Chase and Bank of America may charge more.  Overall, we offer the advantages of more options, competitive rates, and personalized support, making us a strong option for many borrowers.

Yes, you can see houses with a pre-qualification. However, it's important to note that a pre-qualification is only a preliminary assessment of your creditworthiness, based on basic information you provide to the lender.

Getting a mortgage loan as a self-employed individual can be more challenging than for someone with a traditional salary, but it is still possible. To increase your chances of approval, you will need to have a strong credit score, a sizeable down payment, and at least two years of consistent income. Additionally, you will need to have all necessary financial documents, such as tax returns and bank statements, in order and ready to provide to the lender. It may also be helpful to work with a mortgage broker who has experience working with self-employed borrowers and can guide you through the process.

We are licensed in AL, AZ, CA, CO, CT, DE, FL, GA, IL,  MD, MA, MI, NJ, NY, NC, OR, PA, SC, TN, TX, UT, VA & WA

We offer programs for borrowers with as low as 580 credit score.  However, a higher credit score will improve your chances of getting approved for a mortgage loan, with the highest credit scores ranging from 800 to 850. Keep in mind that credit score is only one of the factors considered by lenders when evaluating mortgage loan applications, and other factors such as income, debt-to-income ratio, and employment history will also be taken into account.