Frequently Asked Questions

We are mortgage brokers with the ability to shop multiple lenders to find the best mortgage for you. We offer tailored solutions to help you meet your financial goals. We are a family-owned, small business located right in your backyard.  

Yes! We do not adhere to “normal business hours”. In fact, the phone number you receive for your loan officer will be their cell phone number so they can be reached on evenings and weekends (within reason), when needed.  

Most preapprovals can be issued within a day, depending on the complexity of each prospective homebuyers scenario. You will be expected to fill out a loan application, agree to a credit pull and provide income and asset documentation. There may be more documentation required depending on your scenario. 

It is best to start the house hunting process AFTER you have been preapproved. In fact, because your preapproval will list out your maximum purchase price and any additional conditions to obtain the loan, some real estate agents may not even show you homes without one.  

We will work with you on determining the loan program that best fits your needs. We will provide you with the information and guidance to help you decide the right loan program for you. 

There are many loan programs available to those who have less than perfect credit and little to no money for a down payment. The best way to determine if you are able to get preapproved is to give us a call so we can go over your scenario together!  

Once you have been preapproved, you can begin looking at homes. After you have an accepted contract on a home, the typical timeframe from contract acceptance to closing is about 3-4 weeks. Multiple factors of the homebuying process can influence the time it takes to complete including, underwriting, appraisal and title turn times. 

Yes – it is important to keep as many aspects as possible of your financial situation the same from when you get preapproved through closing. This includes not quitting or changing your job, not opening any new lines of credit (such as installment loans or revolving credit), not making any large cash deposits into your bank account and keeping your marital status the same. All of the information provided to us at preapproval will be verified before being able to close on your new house so if anything changes, it could jeopardize the ability to close.  

No, Buckeye Home Lending does not only offer lending options for purchases. We also offer refinancing options to lower your interest rate and/or tap into the equity in your home through a cash-out refinance. Give us a call and we can discuss your options and create a plan to meet your financial needs. 

Absolutely – in fact, we encourage it! We hope to be your trusted mortgage advisor for life so if you ever have questions about your current mortgage or are interested in refinancing of buying a new home, please give us a call!