Less than most people think. Conventional loans can start at 3% down, FHA at 3.5%, and VA and USDA can be 0% down for those who qualify. Maya can show you the real number for your situation — and any down-payment help you may be eligible for.

No. Getting answers from Maya and taking the Free Loan Test won’t affect your credit score. A hard credit pull only happens later, with your permission, when you’re ready to move forward.

There’s no single magic number. Many programs work with scores in the 600s, and FHA can go lower. If your credit isn’t where you’d like, Maya will show you exactly what to improve first.

Pre-qualification is a quick estimate based on what you tell us. Pre-approval is stronger — we verify your details so sellers take your offer seriously. Maya can start you on either in minutes.

From application to closing is often around 30–45 days, though it varies. Getting pre-approved early and responding quickly to document requests keeps things moving.

Closing costs are one-time fees to finalize your loan — things like appraisal, title, and lender fees — typically a few percent of the price. Use our calculators to estimate, and Maya will help you plan for them.

Yes. Beyond traditional loans, we offer bank-statement and other alternative-income (Non-QM) programs built for business owners and the self-employed.

It depends on your rate, how long you’ll stay, and your goals. Try the refinance calculator to see your potential savings and break-even, then ask Maya to confirm whether it’s worth it for you.