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In many cases, I can issue a pre-approval within 24 hours of receiving your complete application and supporting documents. The speed depends on your specific situation and how quickly documents are provided.

Typically, you'll need recent pay stubs, W-2s or tax returns, bank statements, and a government-issued ID. Self-employed borrowers may need additional documentation. I'll walk you through exactly what's needed for your situation.

A formal mortgage application does involve a hard inquiry, which may temporarily affect your score by a few points. However, multiple mortgage inquiries within a short window (14–45 days) are typically counted as a single inquiry by the credit bureaus.

From application to closing typically takes 30–45 days, though it can be faster. The timeline depends on your loan type, how quickly documents are received, and the appraisal process. I work hard to keep things moving efficiently.

Through Barrett Financial Group, I have access to licensing in multiple states. Please reach out to discuss your specific state and situation, and I'll let you know how I can help.