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Here is what we will ask — and what a conversation will not promise.
A first conversation is how we learn occupancy, how you are paid, what you owe, and what cash you can document. It is not an instant approval, a rate lock, or a commitment to lend. Snapshot as of 2026-08.
What a mortgage conversation is for as of 2026-08.
Swipe sideways to compare every column.
| Question | What you will be asked | What you will not be promised |
|---|---|---|
| First conversation | Expect questions about occupancy (primary, second home, or investment), income type (W-2, 1099, K-1, bank-statement), monthly debts, assets and large deposits, gift funds, property type if known, and authorization to pull credit when you are ready. Identity and contact information are required to continue. | A conversation does not approve you, lock a rate, quote APR, or promise that a program will fit. Pre-approval, if issued later, is still not a commitment to lend. Calculators on this site are illustrations. |
| If a file is opened | Credit authorization when you are ready, then the document stack for your income type. A letter, if issued, is still a snapshot. | A lock, APR, or clear-to-close from this page. Pre-approval is not a commitment to lend. |
Fair Housing: questions are about the file (income, debts, occupancy, property), not about protected class.
You do not need a complete tax-return stack on the first call. You will need a documented stack before an underwriter can issue findings. Do not move large cash or open new credit while you wait without asking how it must be sourced.
Read more: what a mortgage conversation asks. After a letter, the stages are pre-approval vs AUS vs clear to close.
Send a note or book a call. We will tell you what we can see from a conversation and what still has to be documented.
Loan information is provided by Ondo Real Estate (NMLS ID on file). This is not a commitment to lend, a loan approval, or an offer of credit. Rates, terms, and payments shown are estimates for illustration only, are not a quote, and are subject to credit approval, underwriting, and market conditions. You are not required to use Ondo for financing to buy or sell with Ondo. Equal Housing Lender. Program rules, fees, and county loan limits change. Confirm the current published schedule and lender overlays. Nothing here is a quote, a lock, or a credit decision. Licensing and disclosures