Mortgage questions, answered

Speed is one of Integrity Financial's biggest strengths. Chip usually gets loans closed in about 10 days. Your timeline depends on the appraisal, title work, and how quickly documents come back, so sending paperwork early helps.

You work directly with Chip, not a call center. As a broker he can pick a lender whose turn times fit your contract date and keep every party moving.

Late or missing documents, appraisal delays, title issues, and changes to your credit or job during the loan. Avoid new debt and keep Chip posted on any changes.

Some programs allow as little as 3% down. With less than 20% down you'll usually pay mortgage insurance, which can be removed once you reach 20% equity.

Conventional often costs less for borrowers with stronger credit; FHA can be easier with lower scores. Chip can compare both side by side.

First-time buyers and anyone with modest savings or credit that's still being built. Down payments can be as low as 3.5%.

Yes — an FHA 203k loan rolls renovation costs into one mortgage.

Eligible veterans, active-duty service members, and some surviving spouses. You'll need a Certificate of Eligibility, which Chip can help you request.

Most eligible borrowers can buy with zero down and no monthly mortgage insurance. A one-time VA funding fee usually applies unless you're exempt.

A Non-QM loan for rental properties that qualifies on the property's rent instead of your personal income. Example: $3,000 rent ÷ $2,500 payment = 1.20 DSCR.

No — DSCR loans are for investment properties only. Expect about 20–25% down, and rates can be higher than conventional loans.

Many DSCR lenders allow closing in an LLC. Chip can tell you which lenders fit your setup.

Yes. Besides standard tax-return loans, bank-statement and other alternative-income options can qualify you using deposits instead of taxable income.

Typically two years of tax returns or 12–24 months of bank statements, a year-to-date profit and loss, and proof of how long you've been in business.