The amount you can borrow depends primarily on your income, credit history, existing debt, and total monthly home expenses (including principal and interest, property taxes, insurance, and HOA fees). Generally, it is recommended that your total monthly mortgage payment not exceed approximately 50% of your pre-tax monthly income.

Not necessarily. Whether refinancing is suitable depends on the interest rate, the remaining loan term, transaction costs, and your financial goals. A full assessment is recommended first.

Yes. We offer mortgage services in 44 states across the U.S., and can help you assess suitable options whether you are buying for personal use, investment, or interstate travel.

Yes. A higher credit score usually leads to better interest rates and loan terms. Credit history, payment history, and debt ratio all affect the assessment results.

Yes. Many loan programs are designed specifically for first-time homebuyers and may offer lower down payments, subsidies, or more flexible eligibility conditions, depending on individual circumstances.

From application to handover, it generally takes about 30–45 days, but the actual time depends on the completeness of the documents, the type of loan, and the condition of the house.

Not necessarily. Some loan schemes allow for lower down payments, such as 3% or 5%. Whether a PMI is required depends on the type of loan and the down payment percentage.

PMI (Private Mortgage Insurance) is typically used for down payments of less than 20% to protect lending institutions. Some loans may have their PMI cancelled after certain conditions are met.