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Down payment requirements vary by loan type. Conventional loans can start at 3–5%, FHA loans require 3.5% with a qualifying credit score, and VA loans offer 0% down for eligible veterans. Your specific situation and goals determine the best path.

Most conventional loans require a minimum score of 620–640, FHA loans allow scores as low as 580 with 3.5% down, and VA loans are more flexible. Higher credit scores unlock better rates and terms.

Preapproval can typically be issued within 1–3 business days once documentation is received. Full underwriting approval generally takes 2–4 weeks depending on the complexity of the file and lender conditions.

Standard documents include 2 years of W-2s or tax returns, recent pay stubs (30 days), 2 months of bank statements, a copy of your ID, and information on any current debts or assets. Self-employed borrowers may need additional documentation.

Affordability depends on your income, debts, credit score, and down payment. A general guideline is to keep your total monthly housing payment at or below 28–31% of your gross monthly income. A preapproval conversation with Roque will give you a precise picture.