Minimums vary by program — 3% for conventional, 3.5% for FHA, and 0% for VA/USDA. Ask your loan officer what you qualify for.

Most conventional loans require 620+, FHA may allow 580+. Higher scores give better rates.

Yes, if your down payment is under 20% on a conventional loan or for most FHA loans. Some programs offer alternatives.

No — credit bureaus count all mortgage credit pulls within 45 days as a single inquiry.

Yes, but only with lenders who understand visa-based underwriting. Our site helps you connect with those experts.

Pre-qualification is a soft estimate. Pre-approval is a formal review with credit/income docs — stronger for offers.

Typical docs: pay stubs, W-2s, tax returns, bank statements, ID, and visa/residency proof if applicable.