Financing & Pre-Qualification

For most clients, a preliminary pre-qualification takes 24–48 hours once you've submitted the required documentation to our preferred lending partner. A full pre-approval (verified income, credit, and assets) typically takes 3–7 business days.

Conventional loans generally require a 620+ score for approval, though 700+ unlocks the best rates. FHA programs accept 580+ (or 500+ with a higher down payment). Jumbo loans typically require 700+. Every lender has different overlays — the calculator above gives you an estimate, and our lending partner will give you exact numbers based on your credit report.

Conventional loans start at 3–5% down for primary residences, FHA at 3.5%. Investment properties typically require 20–25% down. Jumbo loans in California often require 10–20% down depending on loan size. Larger down payments improve your rate and eliminate PMI.

Yes, most loan programs allow gift funds from immediate family members. The gift needs to be properly documented with a gift letter, and lenders typically want to see the funds seasoned in your account before closing. Talk to your loan officer for specifics on your loan type.

Rates change daily and depend on your credit score, loan type, loan-to-value ratio, and market conditions. The calculator above uses a reasonable default, but for a live rate quote specific to your situation, submit the pre-qualification form or call (714) 590-9977 and we'll connect you with our preferred lender.

Aegis is a real estate brokerage, not a mortgage lender. We refer clients to Patty Gadd, our preferred loan officer, who has closed hundreds of transactions for Aegis buyers over many years. You're welcome to use any lender you choose — we just want you to have a great one.

Typically: two most recent pay stubs, two years of W-2s or 1099s, two months of bank statements, ID, and if self-employed, two years of tax returns. Additional documentation may be needed depending on your situation. Your loan officer will provide a complete checklist tailored to the loan program you're considering.