• Conventional loans (fixed and adjustable rates)
• First-time homebuyer programs
• FHA and VA loans
• Refinance options for existing homeowners

• Conventional loans (fixed and adjustable rates)
• Credit score
• Income and employment history
• Down payment amount
• Debt-to-income ratio
• Property location and type
• Our loan officers are here to help assess eligibility in a stress-free way.

• Pre-approval is a preliminary estimate of how much bankcda is able to lend you, based on a review of your credit history, income, and assets.
• Verified Pre- approval is a more in-depth review of your financial situation, where bankcda checks your credit and verifies your income & assets using documentation like pay stubs and bank statements.
• Getting pre-approved early gives you a clearer budget and strengthens your offer when you’re ready to buy.

• Some programs allow as little as 3% down
• VA loans (for eligible veterans) may offer zero down payment
• First-time homebuyer programs often have lower down payment options. The great news is, you don’t always need 20% down. Our specialists can explain what works best for your situation.

• Yes, land and construction loans may be available, but they are different from standard home loans. These require a special review by our in-house mortgage team.

• Most purchases close in 30–45 days, but timelines vary depending on the property, paperwork, and the your readines

• Income
• Last 2 pay stubs
• 2 months’ most current bank statements
• 2 years most current tax returns
• ID (driver’s license or government-issued ID)
• Bank statements
• Employment history