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A Boom Mortgage professional reviews your request and reaches out to learn what you are planning — the kind of property, the timing you have in mind, and how your income and finances are set up. From there we can talk through which options are worth a closer look. It is a conversation, not an application.

For the first conversation, very little: your name, a way to reach you, and a general sense of what you are trying to do. Documentation comes later and depends on which direction you take. We will tell you exactly what is needed when it is needed, rather than handing you a list on day one.

Prequalification is an early estimate based on information you share about your income, assets and debts. Preapproval goes further: a lender reviews documentation and your credit before issuing a written decision, subject to conditions. Preapproval generally carries more weight with sellers. The exact terminology and process vary between lenders, so it is worth confirming what a specific letter actually represents.

No. Credit is one part of a larger picture that also includes income, assets, the property and the loan program. Different programs weigh those factors differently, which is exactly why it is worth having the conversation rather than assuming the answer.

It varies, and anyone who gives you a fixed number without knowing your file is guessing. The timeline depends on your circumstances, the property, the loan program, how quickly documentation comes together, underwriting, and third parties like appraisers and title companies. Once we understand your situation, we can give you a realistic sense of what to expect and tell you when something changes.

Often, yes. Alongside conventional and government-backed programs, we work with Non-QM options built for borrowers whose finances do not present neatly under traditional guidelines — self-employed income, business ownership, investment property, or a past event still on the record. Tell us how your finances actually work and we will tell you honestly whether we see a path.