Homebuying Made Simple

Buying your first home is exciting—but it can feel overwhelming. I’ll guide you step by step, from pre-approval to closing, while helping you access programs that reduce your upfront costs

1. Quick Pre-Approval Process

2. Personalized loan options review

3. Guidance on inspections and escrow

4. Smooth closing with clear updates

Down Payment Assistance Programs

Frequently Asked Questions

✅ What’s the minimum credit score to qualify for a home loan?

It depends on the loan type:

FHA Loans: Minimum 580 (with 3.5% down) or as low as 500 (with 10% down).
Conventional Loans: Typically 620 or higher.
VA or USDA Loans: More flexible, but 600+ is recommended for better rates.

Not sure where you stand? Rafi will review your credit and help you build a strategy if you need to improve it before applying.

⏳ How long does the mortgage process take?

From pre-approval to closing, the process usually takes 21 to 45 days, depending on your situation. Here’s a quick breakdown:
1. Pre-approval: 1–2 days.
2. Home search and offer: varies.
3. Underwriting and closing: 2–4 weeks.
Rafi keeps you informed every step of the way—no guesswork, no surprises

🧠 Why work with Rafi instead of going straight to a bank?

Rafi works for you, not just one lender. As a mortgage broker:

He shops multiple lenders to find your best rate.
He tailors loan options to your financial goals.
He speaks your language—literally and culturally.

Whether you’re a first-time buyer or refinancing, Rafi brings clarity, strategy, and heart to the process.