Resources
Mortgage Resources & FAQs
Answers to the questions we hear most often.
Once documents are submitted, we can often issue pre-approvals within 24 business hours.
Have your documents ready and make sure your credit is unlocked with all 3 bureaus.
Yes — use services like MyFico.com for accurate tracking. Avoid sites like Credit Karma for mortgage-related monitoring.
Pre-approval letters are typically valid for 120 days from the date your credit is pulled.
Locking secures your rate for a set period. You can lock once your loan is in process to protect against market changes.
No! Many buyers qualify with as little as 3–3.5% down. VA loans even allow for 0% down if eligible.
You'll usually need: 2 years of W2s, 2 recent pay stubs, 2 recent bank statements, and a photo ID. Self-employed? Add 2 years of tax returns.
Ideally 6–12 months before buying. Early pre-approval helps identify your budget and credit readiness.
Not significantly. Multiple credit pulls within a 45-day window typically count as one inquiry.
Pre-qualification is an estimate. Pre-approval is verified with documentation and credit, making you a stronger buyer.
Videos
Hear It From Us
Quick answers and insights, straight from our team.
Your First Steps to Homeownership with Tyroch Team
How Property Taxes Really Work on New Builds
Self-Employed? You Might Qualify with a Bank Statement Loan
Before You Buy: The Truth About Location and HOAs
Should You Wait for Lower Rates? Here's the Real Answer
The Biggest Mistake Homebuyers Make (and How to Avoid It)
The Truth About Credit Scores for Mortgages
Can't Afford a Down Payment? This Might Help You Buy Sooner
How Down Payment Assistance Really Works
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