Financing that keeps pace with your offer.

No. Homegrown Wealth Inc., Homegrown Wealth Loan, and HW Escrow are affiliated companies, and a referral between them may provide a financial benefit to Homegrown Wealth Inc. You are never required to use an affiliated company as a condition of buying, selling, or financing. Other providers offer similar services and you are free to shop around. You will receive a written Affiliated Business Arrangement Disclosure at the time of any referral.

It varies by program. Some loans allow as little as 3 to 5 percent down; others require more, and jumbo loans common in this market typically require larger down payments. Putting less than 20 percent down usually means mortgage insurance. Use the calculator above to model scenarios, then let Rita confirm what you actually qualify for.

Once Rita has your documents, a straightforward file usually moves quickly. Self-employed borrowers and complex income situations take longer. The honest answer depends on how fast the documentation arrives, which is why the checklist above exists.

Pre-qualification is an estimate based on what you tell us. Pre-approval means we have reviewed your actual documents and pulled credit. In a competitive market, sellers take pre-approval seriously and often disregard pre-qualification.

A credit pull for a mortgage is a hard inquiry. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as a single event, so comparing lenders in that period is not the same as opening several new accounts. Your specific score impact depends on your credit profile.

Usually once you are in contract and the file is moving. Locking too early risks the lock expiring before closing; waiting leaves you exposed to rate movement. Rita will walk you through the trade-off for your timeline rather than guessing on your behalf.

Your Loan Estimate itemizes every cost in writing, including origination, third-party fees, and prepaid items. You receive it early enough to compare, and we will explain how the loan costs fit together with brokerage commission and escrow fees before you commit.

We serve Los Angeles, California and the surrounding area, with offices in Beverly Hills and Arcadia. If your property sits outside our usual range, call and we will tell you plainly whether we are the right fit.