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AFFORDABLE PROGRAMS · AMI TOOL
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FOR REALTORS · OPEN HOUSE
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PAGE · PRIVACY & ACCESSIBILITY
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Individual mortgage question thumbnails (83)
Only questions currently shown on Common Questions are listed. Earlier sharing links open a related current answer or category. Facebook and messaging apps may cache earlier previews.
Getting Started
What’s the best place to start if I’m thinking about buying a home?
Getting Started
What’s the difference between pre-qualification and pre-approval?
Getting Started
Will checking rates affect my credit score?
Getting Started
Should I get pre-approved before looking at homes?
Getting Started
Can I talk to someone before completing an application?
Loan Programs
Who are Fannie Mae and Freddie Mac?
Tool Tips & Tricks
How do I keep my rate dashboard up to date?
Tool Tips & Tricks
Which debts should I enter in the qualification calculator?
Tool Tips & Tricks
How do I update taxes, insurance, and HOA dues before downloading a closing cost PDF worksheet?
Tool Tips & Tricks
Where can I see points and lender fees?
Tool Tips & Tricks
How do I download a closing cost PDF worksheet?
Tool Tips & Tricks
What should I enter for deferred student loans in the affordability calculator?
Rates, Costs & Payments
What are mortgage points?
Rates, Costs & Payments
What’s included in a monthly mortgage payment?
Rates, Costs & Payments
What are closing costs?
Rates, Costs & Payments
What is mortgage insurance?
Rates, Costs & Payments
Why do early mortgage payment and cash-to-close estimates sometimes vary between lenders?
Rates, Costs & Payments
How should I compare mortgage quotes from different lenders?
Rates, Costs & Payments
Is APR the best way to compare mortgage offers?
Rates, Costs & Payments
Are online mortgage rates final?
Loan Programs
What does AMI mean, and how do I find the limit for my property?
Qualification & Approval
How much mortgage can I qualify for?
Qualification & Approval
What are the Three Pillars of mortgage qualification?
Qualification & Approval
What documents are usually needed for mortgage approval?
Qualification & Approval
Can I qualify for a mortgage with student loans?
Qualification & Approval
Should I pay off debt before applying or wait until closing?
Qualification & Approval
Does getting pre-approved guarantee final approval?
Loan Programs
Can I use rental income to qualify for a mortgage?
Qualification & Approval
Will Lendexa recommend changing applicants or the income used to improve our options?
Credit, Scores & Credit Profile
Why do I need to pay for my credit report upfront?
Credit, Scores & Credit Profile
Since I’m paying for my credit report, will I have access to it?
Credit, Scores & Credit Profile
What credit score do I need to buy a home?
Credit, Scores & Credit Profile
Will my credit score drop if multiple mortgage lenders check my credit?
Credit, Scores & Credit Profile
Should I pay off collections before applying for a mortgage?
Credit, Scores & Credit Profile
I have a credit report. Can I use it when applying for a mortgage?
Credit, Scores & Credit Profile
How long is a mortgage credit report good for?
Credit, Scores & Credit Profile
Will I have to refresh or run credit again prior to closing?
Credit, Scores & Credit Profile
Can disputed accounts affect mortgage approval?
Employment, Income & Income Qualification
How do mortgage lenders calculate income for qualification?
Employment, Income & Income Qualification
Can overtime, bonuses, commission, tips, or RSUs help me qualify?
Employment, Income & Income Qualification
Can I qualify for a mortgage if I recently changed jobs?
Employment, Income & Income Qualification
Can I qualify for a mortgage if I am self-employed?
Employment, Income & Income Qualification
Can I qualify while relocating or before starting a new job?
Employment, Income & Income Qualification
Do gaps in employment affect mortgage qualification?
Employment, Income & Income Qualification
Can retirement income, Social Security, pension, or disability income be used to qualify for a mortgage?
Loan Programs
Can I qualify for a mortgage without using tax returns?
Employment, Income & Income Qualification
Can I use income from a second job to qualify for a mortgage?
Assets, Down Payment & Funds to Close
What funds are needed to buy a home?
Loan Programs
How much down payment do I need to buy a home?
Assets, Down Payment & Funds to Close
Can I use gift funds for my down payment or closing costs?
Assets, Down Payment & Funds to Close
Why do lenders review bank statements?
Assets, Down Payment & Funds to Close
What are large deposits and why do lenders ask about them?
Assets, Down Payment & Funds to Close
Can cash deposits cause problems during the mortgage process?
Assets, Down Payment & Funds to Close
What are reserves, and do I need them to qualify?
Assets, Down Payment & Funds to Close
Can seller concessions help reduce my cash needed to close?
Mortgage Structuring & Financial Strategy
When should I consider refinancing, and how do I start?
Mortgage Structuring & Financial Strategy
Should I choose a lower interest rate or lower closing costs?
Mortgage Structuring & Financial Strategy
Should I lock my interest rate immediately?
Mortgage Structuring & Financial Strategy
Can I refinance later if rates improve?
Mortgage Structuring & Financial Strategy
Can I buy a home before selling my current home?
Process & Timeline
What happens during the mortgage application process?
Process & Timeline
How long is my pre-approval good for?
Process & Timeline
What do I receive with my pre-approval?
Process & Timeline
What happens once I am under contract on a home?
Process & Timeline
What is a conditional approval?
Process & Timeline
Why am I receiving a preliminary Closing Disclosure (CD) before closing?
Process & Timeline
What does “Clear to Close” mean?
For Realtors & Open Houses
What can visitors do with the open-house kiosk and QR codes?
For Realtors & Open Houses
How does the open-house Home Improvement Giveaway work?
For Realtors & Open Houses
How do I arrange an open-house kit, and what if it is already booked?
For Realtors & Open Houses
What makes Lendexa’s pre-approval process valuable to Realtors?
Loan Programs
Where can I explore the loan programs Lendexa offers?
Loan Programs
How do I know which loan program is right for me?
Tool Tips & Tricks
When should I use Rate Alerts vs. the Dream Rate tool?
Rates, Costs & Payments
How accurate are the mortgage rates shown on the website?
Rates, Costs & Payments
Will Lendexa match or beat another mortgage offer?
Credit, Scores & Credit Profile
Do you offer soft-pull credit reports?
Process & Timeline
How long does it take to close with Lendexa?
Mortgage Structuring & Financial Strategy
Will you always choose the lender with the lowest rate?
Qualification & Approval
What is the difference between a co-signer and a co-borrower?
Getting Started
Why should I work with Lendexa instead of going directly to a lender?
Credit, Scores & Credit Profile
Can buy now, pay later accounts affect my mortgage approval?
Getting Started
Will I see Vincent dancing in mortgage reels?
The Mortgage Producer
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