Contact Lizette by email or phone, share your income, debts and the price range you're shopping in, and provide a few documents. She checks your credit and finances, then gives you a pre-approval letter stating how much you can borrow.

It depends on the loan. FHA loans typically accept scores from 580 with a 3.5% down payment. Conventional loans usually look for 620 or higher. A higher score generally means a better rate — but a lower score doesn't mean you can't buy.

Yes, in some cases. Eligible veterans and service members can use a VA loan with 0% down. USDA loans offer 0% down in eligible rural areas. Most other buyers put down at least 3–3.5%.

Pre-qualification is a rough estimate based on what you tell a lender. Pre-approval is verified: the lender checks your credit, income and documents, and issues a letter. Sellers take pre-approval far more seriously.

Most purchase loans close in about 30 to 45 days from the signed contract, though the timeline varies by file. Getting pre-approved first — and having your documents ready — is the best way to keep things on schedule.

Typically: recent pay stubs, W-2s or tax returns, bank statements, a photo ID, and details of any debts. Self-employed buyers may need profit-and-loss statements or bank statements instead.

Yes — first-time buyers are a big part of Lizette's work. She explains every step, flags low down payment options, and can tell you about down payment assistance programmes available in your state.

Email hola@lizfrancis.com with your client's name and the home they're looking at. Liz will reach out the same business day and keep you updated through closing.