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Clients we’ve worked with
At DirectMyLoan, we pride ourselves on building strong relationships with our clients. Over the years, we've had the privilege of helping thousands of individuals and families achieve their dream of homeownership. Our clients appreciate our transparent process, personalized service, and commitment to finding the best loan solutions to fit their unique needs. Here’s what some of our satisfied clients have to say about their experience working with us.
Frequently Asked Questions
We know the mortgage process can feel complex. Here are answers to some of the most common questions our clients ask. If you still have questions, don’t hesitate to reach out!
How long does the mortgage approval process take?
○ Typically, the process takes 30-45 days, but it can vary depending on your circumstances.
○ Faster timelines may be possible with efficient document submission and pre-qualification.
What credit score do I need to qualify?
○ Most programs require a minimum score of 620, though FHA loans may accept scores as low as 580.
○ A higher score improves your chances of better rates and terms.
Can I get pre-approved for a loan?
○ Yes, pre-approval is available and helps you understand your budget before shopping for a home.
○ The process involves reviewing your credit, income, and financial documents.
What documents will I need to provide?
○ Commonly required documents include proof of income (pay stubs, W-2s), tax returns, and bank statements.
○ Additional paperwork may be requested based on your financial situation.
What are my options if I have a low down payment?
○ FHA loans allow as little as 3.5% down, and some conventional loans accept as low as 3%.
○ VA and USDA loans offer no down payment options for eligible borrowers.
American Financial Network, Inc.
10 Pointe Drive, Suite 330 Brea CA 92821
CORP NMLS# 237341; Equal Opportunity Employer; California BRE License # 01317581; Equal Opportunity Lender
Copyright© 2024 American Financial Network, Inc.
All rights reserved.
A pre-approval does not constitute a loan commitment or guarantee of a loan. Pre-approval is subject to a satisfactory appraisal, satisfactory title search, and no meaningful change to borrower's financial condition.
CORP NMLS# 237341. American Financial Network, Inc. is licensed by the California Department of Financial Protection and Innovation under the California Financing Law License (6038771) and holds a CA Bureau of Real Estate, Real Estate Broker's License (01317581) under Nationwide Mortgage Licensing System (NMLS), unique identifier of 237341. Broker is performing acts for which a license is required. Loans made or arranged pursuant to California Financing Law. Refer to www.nmlsconsumeraccess.org and input NMLS #237341 to see where American Financial Network, Inc. is a licensed lender. In all states, the principal licensed office of American Financial Network, Inc. is 10 Pointe Drive, Suite 330, Brea, CA 92821; Phone: (714) 831-4000 (NMLS ID#237341). This is not an offer for extension of credit or commitment to lend. All loans must satisfy company underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. The content in this advertisement is for informational purposes only. Products not available in all areas. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580. American Financial Network, Inc. is an Equal Housing Lender.