FAQs
What types of home loans do you offer?
We offer a variety of loan programs including conventional, FHA, VA, USDA, and construction loans — all tailored to fit your unique home goals.
Do I need to build with Manuel Builders to use Manuel Mortgage?
No, you don’t! While many of our clients build with Manuel Builders, we also help buyers purchasing existing homes or refinancing their current mortgage.
What’s the first step in getting a home loan?
The best place to start is a pre-qualification. It helps you understand how much home you can afford and gives you a head start when you’re ready to make an offer.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification gives you an estimate based on basic financial info. Pre-approval goes a step further by verifying your documentation, giving you stronger buying power.
How much do I need for a down payment?
Down payment requirements vary by loan type — some programs start as low as 0% or 3% down. Your loan officer can help you explore what works best for your budget.
How long does the loan process take?
Most home loans close within 30–45 days. Construction loans may take a bit longer, depending on your build timeline.
What information do I need to apply?
You’ll typically need income verification, employment history, credit information, and details about your assets and debts. Your loan officer will guide you through every step.
Can I lock in my interest rate?
Yes — once your loan application is complete, you can choose to lock your rate for a set period to protect against market changes.
Do you offer programs for first-time homebuyers?
Absolutely. We have several loan options and potential incentives designed to help first-time buyers get started with confidence.
Why choose Manuel Mortgage?
We’re local, experienced, and built on the same foundation of trust and service as Manuel Builders. From pre-qualification to closing, you’ll have a dedicated team guiding you home.
Free Consultations with Experts Who Care About Your Goals
Sometimes the best answers come from a real conversation. Our team takes time to listen, explain your options, and build a plan tailored to your family’s needs. No pressure, no jargon—just guidance you can trust.