FAQ

Have questions? You’re in the right place. We’ve gathered answers to the most common questions so you can quickly find what you need. And if you don’t see your question here, just reach out—we’re happy to help.

Frequently Asked Questions

What types of loans do you offer?

We provide a variety of mortgage options, including first-time homebuyer loans, refinancing, conventional, FHA, and VA loans and more to fit your unique situation.

How do I know which loan is right for me?

Our team will review your financial goals and guide you through the loan options, helping you choose the one that best fits your needs.

What’s the first step to applying for a mortgage?

The first step is to schedule a consultation with us so we can understand your goals and gather the necessary financial information.

How long does the mortgage process take?

While it varies by loan type and situation, most home loans take 30–45 days from application to closing. We’ll guide you through each stage to keep things on track.

Can I refinance my existing mortgage?

Yes! Refinancing can help you lower your interest rate, reduce monthly payments, or access equity for other financial goals. We’ll review your options to see if it’s the right move.

Are there any hidden fees I should know about?

No — we believe in transparency. All costs, rates, and fees are discussed upfront so you know exactly what to expect.

Do I need perfect credit to get a mortgage?

Not at all. We work with a range of credit profiles and help you find options that fit your financial situation.

How can I get started?

Simply schedule a consultation or fill out our client intake form, and we’ll guide you step by step toward securing the right mortgage for your home.

Have Any More Questions?

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480Loans is dedicated to making home financing simple, transparent, and stress-free. Led by Brian, a trusted loan officer, we provide personalized mortgage solutions and support every step of the way. Whether you’re buying, refinancing, or planning for the future, we’re here to help you achieve your homeownership goals with confidence.

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