Yes. Many Henderson buyers are purchasing their first home, and we offer conventional loans with down payments as low as 3% for qualified buyers. We'll walk you through every step—from pre-approval to closing—and coordinate with your real estate agent to make offers competitive in Henderson's market.

Most Henderson buyers receive a pre-approval letter within 1-3 business days after submitting documentation. If you're in a time-sensitive situation—like making an offer this weekend—let us know, and we'll prioritize your file. Pre-approval shows Henderson sellers you're a serious buyer.

Yes. Henderson has many master-planned communities with condos and townhomes—Green Valley, Anthem, Sun City Anthem, and others. We're experienced with the HOA questionnaires and condo project approvals required for conventional financing. We can typically identify potential issues early and work through them.

Possibly. For a rate-and-term refinance, most lenders require at least 6 months of payment history on your current loan. For a cash-out refinance, you typically need to wait 6-12 months and have sufficient equity. Every situation is different—complete our eligibility check and we'll review your options.

For most Henderson buyers, you'll need: recent pay stubs (last 30 days), W-2s from the past 2 years, bank statements (last 2 months), and a valid ID. Self-employed buyers will also need 2 years of tax returns and possibly a profit & loss statement. We'll tell you exactly what we need after your initial eligibility check.