What’s the difference between a mortgage lender and a mortgage broker?

A mortgage lender funds and services loans; a mortgage broker compares multiple lenders to find the best fit. We operate with the flexibility of a broker and the accountability of a direct lending partner. That means more options, clearer decisions, and one team guiding you from pre-approval to closing.

How does a rate lock work, and when should I lock?

A rate lock holds your rate for a set period, protecting you from market swings. The right timing depends on your contract date, volatility, and risk tolerance. We’ll discuss float-downs, extension costs, and how lock length affects pricing, then tailor a plan to your timeline.

What documents do I need to start?

Typically, recent pay stubs, W-2s or 1099s, two months of bank statements, and a copy of your ID. Self-employed buyers may provide business returns and a year-to-date P&L. Uploading early lets our mortgage company verify faster, spot savings opportunities, and avoid last-minute stress.

How fast can you close in McLean, VA?

Purchase timelines often run 21–30 days, depending on appraisal, title, and HOA needs. We front-load verifications, coordinate daily with all parties, and give proactive updates so you always know what’s next. If you’re on a tight deadline, we’ll prioritize the file and outline exactly what we need from you.