The Triad team

A score of 620 or higher is generally recommended, but there are options for lower scores.

Down payments vary by loan type. Conventional loans typically require 5-20%, while FHA loans can be as low as 3.5%. There are also programs with no down payment requirement for qualified buyers.

Interest rates fluctuate based on market conditions and individual eligibility. We provide up-to-date, competitive rates and work to find the best option for your financial situation. Reach out today to learn about what is available today!

Yes, self-employed individuals can qualify for mortgages. You will need to provide additional documentation, such as two years of tax returns and profit and loss statements, to verify your income. We will assist you to identify all the documentation you will need to secure your loan. 

A fixed-rate mortgage has the same interest rate throughout the loan term, offering payment stability. An adjustable-rate mortgage has a rate that may change periodically, potentially lowering initial payments but might increase over time.

Typically, it takes between 30 to 45 days from application to closing.