{"id":403,"date":"2026-05-21T07:40:09","date_gmt":"2026-05-21T14:40:09","guid":{"rendered":"https:\/\/arclightmedia.com\/dev\/ec\/?page_id=403"},"modified":"2026-06-04T22:51:17","modified_gmt":"2026-06-05T05:51:17","slug":"faq","status":"publish","type":"page","link":"https:\/\/homeloansbyemma.com\/es\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"403\" class=\"elementor elementor-403\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7055c6 e-con-full e-flex e-con e-parent\" data-id=\"c7055c6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e80f9ec elementor-widget elementor-widget-template\" data-id=\"e80f9ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<header data-elementor-type=\"header\" data-elementor-id=\"16\" class=\"elementor elementor-16\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-19ee518 e-flex e-con-boxed e-con e-parent\" data-id=\"19ee518\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-45a6899 e-con-full e-flex e-con e-child\" data-id=\"45a6899\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1643660 elementor-widget elementor-widget-image\" data-id=\"1643660\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"367\" height=\"173\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/pcmg-logo.png\" class=\"attachment-large size-large wp-image-17\" alt=\"\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/pcmg-logo.png 367w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/pcmg-logo-300x141.png 300w\" sizes=\"(max-width: 367px) 100vw, 367px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9c1bd5 e-con-full e-flex e-con e-child\" data-id=\"f9c1bd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b365a77 elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"b365a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-underline e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-b365a77\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-20\"><a href=\"https:\/\/homeloansbyemma.com\/es\/\" class=\"elementor-item\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-241\"><a href=\"https:\/\/homeloansbyemma.com\/es\/buying-a-home\/\" class=\"elementor-item\">Comprar una casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-240\"><a href=\"https:\/\/homeloansbyemma.com\/es\/refinancing\/\" class=\"elementor-item\">Refinanciaci\u00f3n<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-242\"><a href=\"https:\/\/homeloansbyemma.com\/es\/learn-the-process\/\" class=\"elementor-item\">Aprende el proceso<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-167\"><a href=\"https:\/\/homeloansbyemma.com\/es\/about-emma\/\" class=\"elementor-item\">About Emma<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-212\"><a href=\"https:\/\/homeloansbyemma.com\/es\/blog\/\" class=\"elementor-item\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-381\"><a href=\"https:\/\/homeloansbyemma.com\/es\/resources\/\" class=\"elementor-item\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-418\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-basics\/\" class=\"elementor-sub-item\">Mortgage Basics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-372\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-calculator\/\" class=\"elementor-sub-item\">Mortgage Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-419\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-loan-programs\/\" class=\"elementor-sub-item\">Mortgage Loan Programs<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-524\"><a href=\"https:\/\/homeloansbyemma.com\/es\/conventional-home-loans\/\" class=\"elementor-sub-item\">Conventional Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-523\"><a href=\"https:\/\/homeloansbyemma.com\/es\/fha-home-loans\/\" class=\"elementor-sub-item\">FHA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-522\"><a href=\"https:\/\/homeloansbyemma.com\/es\/va-home-loans\/\" class=\"elementor-sub-item\">VA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-521\"><a href=\"https:\/\/homeloansbyemma.com\/es\/jumbo-loans\/\" class=\"elementor-sub-item\">Jumbo Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-520\"><a href=\"https:\/\/homeloansbyemma.com\/es\/non-qm-itin\/\" class=\"elementor-sub-item\">Non-QM: ITIN<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-519\"><a href=\"https:\/\/homeloansbyemma.com\/es\/bank-statement-mortgage-loan\/\" class=\"elementor-sub-item\">Bank Statement Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-518\"><a href=\"https:\/\/homeloansbyemma.com\/es\/pl-mortgage-loan\/\" class=\"elementor-sub-item\">P&amp;L Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-517\"><a href=\"https:\/\/homeloansbyemma.com\/es\/dscr-mortgage-loan\/\" class=\"elementor-sub-item\">DSCR Mortgage Loan<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-553\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/First-Time-Homebuyer-Guide.pdf\" class=\"elementor-sub-item\">First-Time Homebuyer Guide<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-554\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/Pre-Approval-Document-Checklist.pdf\" class=\"elementor-sub-item\">Pre-Approval Document Checklist<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-534\"><a href=\"https:\/\/homeloansbyemma.com\/es\/protect-your-pre-approval\/\" class=\"elementor-sub-item\">Protect Your Pre-Approval<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-417\"><a href=\"https:\/\/homeloansbyemma.com\/es\/faq\/\" class=\"elementor-sub-item\">FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-250\"><a href=\"https:\/\/homeloansbyemma.com\/es\/contact\/\" class=\"elementor-item\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewbox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-b365a77\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-home menu-item-20\"><a href=\"https:\/\/homeloansbyemma.com\/es\/\" class=\"elementor-item\" tabindex=\"-1\">Home<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-241\"><a href=\"https:\/\/homeloansbyemma.com\/es\/buying-a-home\/\" class=\"elementor-item\" tabindex=\"-1\">Comprar una casa<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-240\"><a href=\"https:\/\/homeloansbyemma.com\/es\/refinancing\/\" class=\"elementor-item\" tabindex=\"-1\">Refinanciaci\u00f3n<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-242\"><a href=\"https:\/\/homeloansbyemma.com\/es\/learn-the-process\/\" class=\"elementor-item\" tabindex=\"-1\">Aprende el proceso<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-167\"><a href=\"https:\/\/homeloansbyemma.com\/es\/about-emma\/\" class=\"elementor-item\" tabindex=\"-1\">About Emma<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-212\"><a href=\"https:\/\/homeloansbyemma.com\/es\/blog\/\" class=\"elementor-item\" tabindex=\"-1\">Blog<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-381\"><a href=\"https:\/\/homeloansbyemma.com\/es\/resources\/\" class=\"elementor-item\" tabindex=\"-1\">Resources<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-418\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-basics\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Basics<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-372\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-calculator\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Calculator<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-419\"><a href=\"https:\/\/homeloansbyemma.com\/es\/mortgage-loan-programs\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Mortgage Loan Programs<span class=\"sub-arrow\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-caret-down\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\"><\/path><\/svg><\/span><\/a>\n\t<ul class=\"sub-menu elementor-nav-menu--dropdown\">\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-524\"><a href=\"https:\/\/homeloansbyemma.com\/es\/conventional-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Conventional Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-523\"><a href=\"https:\/\/homeloansbyemma.com\/es\/fha-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">FHA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-522\"><a href=\"https:\/\/homeloansbyemma.com\/es\/va-home-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">VA Home Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-521\"><a href=\"https:\/\/homeloansbyemma.com\/es\/jumbo-loans\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Jumbo Loans<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-520\"><a href=\"https:\/\/homeloansbyemma.com\/es\/non-qm-itin\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Non-QM: ITIN<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-519\"><a href=\"https:\/\/homeloansbyemma.com\/es\/bank-statement-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Bank Statement Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-518\"><a href=\"https:\/\/homeloansbyemma.com\/es\/pl-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">P&amp;L Mortgage Loan<\/a><\/li>\n\t\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-517\"><a href=\"https:\/\/homeloansbyemma.com\/es\/dscr-mortgage-loan\/\" class=\"elementor-sub-item\" tabindex=\"-1\">DSCR Mortgage Loan<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-553\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/First-Time-Homebuyer-Guide.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">First-Time Homebuyer Guide<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-554\"><a target=\"_blank\" href=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/05\/Pre-Approval-Document-Checklist.pdf\" class=\"elementor-sub-item\" tabindex=\"-1\">Pre-Approval Document Checklist<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-534\"><a href=\"https:\/\/homeloansbyemma.com\/es\/protect-your-pre-approval\/\" class=\"elementor-sub-item\" tabindex=\"-1\">Protect Your Pre-Approval<\/a><\/li>\n\t<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-417\"><a href=\"https:\/\/homeloansbyemma.com\/es\/faq\/\" class=\"elementor-sub-item\" tabindex=\"-1\">FAQ<\/a><\/li>\n<\/ul>\n<\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-250\"><a href=\"https:\/\/homeloansbyemma.com\/es\/contact\/\" class=\"elementor-item\" tabindex=\"-1\">Contact<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/header>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c505ec e-flex e-con-boxed e-con e-parent\" data-id=\"8c505ec\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ef0e75d e-con-full e-flex e-con e-child\" data-id=\"ef0e75d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca42ae elementor-widget elementor-widget-heading\" data-id=\"5ca42ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4096e0 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"f4096e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-f4096e0\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"f4096e0\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-can-i-do-to-improve-my-credit-score\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2551\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What can I do to improve my credit score?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2551\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"what-can-i-do-to-improve-my-credit-score\"><p>Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change &#8212; but improvement generally depends on how that factor relates to other factors considered by the model. Only the creditor can explain what might improve your score under the particular model used to evaluate your credit application.<\/p><p>Nevertheless, scoring models generally evaluate the following types of information in your credit report:<\/p><ul><li><strong>Have you paid your bills on time?<\/strong>\u00a0Payment history typically is a significant factor. It is likely that your score will be affected negatively if you have paid bills late, had an account referred to collections, or declared bankruptcy, if that history is reflected on your credit report.<\/li><li><strong>What is your outstanding debt?<\/strong>\u00a0Many scoring models evaluate the amount of debt you have compared to your credit limits. If the amount you owe is close to your credit limit, that is likely to have a negative effect on your score.<\/li><li><strong>How long is your credit history?\u00a0<\/strong>Generally, models consider the length of your credit track record. An insufficient credit history may have an effect on your score, but that can be offset by other factors, such as timely payments and low balances.<\/li><li><strong>Have you applied for new credit recently?\u00a0<\/strong>Many scoring models consider whether you have applied for credit recently by looking at &#8220;inquiries&#8221; on your credit report when you apply for credit. If you have applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your account or looking at credit reports to make &#8220;prescreened&#8221; credit offers are not counted.<\/li><li><strong>How many and what types of credit accounts do you have?<\/strong>\u00a0Although it is generally good to have established credit accounts, too many credit card accounts may have a negative effect on your score. In addition, many models consider the type of credit accounts you have. For example, under some scoring models, loans from finance companies may negatively affect your credit score.<\/li><\/ul><p>Scoring models may be based on more than just information in your credit report. For example, the model may consider information from your credit application as well: your job or occupation, length of employment, or whether you own a home.<\/p><p>To improve your credit score under most models, concentrate on paying your bills on time, paying down outstanding balances, and not taking on new debt. It&#8217;s likely to take some time to improve your score significantly.<\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"what-documents-do-i-need-to-prepare-for-my-loan-application\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2552\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">What documents do I need to prepare for my loan application?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2552\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"what-documents-do-i-need-to-prepare-for-my-loan-application\"><p>Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.<\/p><p><strong>Your Property<\/strong><\/p><ul><li>Copy of signed sales contract including all riders<\/li><li>Verification of the deposit you placed on the home<\/li><li>Names, addresses and telephone numbers of all realtors, builders, insurance agents and attorneys involved<\/li><li>Copy of Listing Sheet and legal description if available (if the property is a condominium please provide condominium declaration, by-laws and most recent budget)<\/li><\/ul><p><strong>Your Income<\/strong><\/p><ul><li>Copies of your pay-stubs for the most recent 30-day period and year-to-date<\/li><li>Copies of your W-2 forms for the past two years<\/li><li>Names and addresses of all employers for the last two years<\/li><li>Letter explaining any gaps in employment in the past 2 years<\/li><li>Work visa or green card (copy front &amp; back)<\/li><\/ul><p>If\u00a0<strong>self-employed\u00a0<\/strong>or receive\u00a0<strong>commission<\/strong>\u00a0or\u00a0<strong>bonus<\/strong>,\u00a0<strong>interest\/dividends<\/strong>, or<strong>\u00a0rental income<\/strong>:<\/p><ul><li>Provide full tax returns for the last two years PLUS year-to-date Profit and Loss statement (please provide complete tax return including attached schedules and statements. If you have filed an extension, please supply a copy of the extension.)<\/li><li>K-1&#8217;s for all partnerships and S-Corporations for the last two years (please double-check your return. Most K-1&#8217;s are not attached to the 1040.)<\/li><li>Completed and signed Federal Partnership (1065) and\/or Corporate Income Tax Returns (1120) including all schedules, statements and addenda for the last two years. (Required only if your ownership position is 25% or greater.)<\/li><\/ul><p>If you will use\u00a0<strong>Alimony<\/strong>\u00a0or\u00a0<strong>Child Support<\/strong>\u00a0to qualify:<\/p><ul><li>Provide divorce decree\/court order stating amount, as well as, proof of receipt of funds for last year<\/li><\/ul><p>If you receive\u00a0<strong>Social Security<\/strong>\u00a0income,\u00a0<strong>Disability\u00a0<\/strong>or\u00a0<strong>VA<\/strong>\u00a0benefits:<\/p><ul><li>Provide award letter from agency or organization<\/li><\/ul><p><strong>Source of Funds and Down Payment<\/strong><\/p><ul><li>Sale of your existing home &#8211; provide a copy of the signed sales contract on your current residence and statement or listing agreement if unsold (at closing, you must also provide a settlement\/Closing Statement)<\/li><li>Savings, checking or money market funds &#8211; provide copies of bank statements for the last 3 months<\/li><li>Stocks and bonds &#8211; provide copies of your statement from your broker or copies of certificates<\/li><li>Gifts &#8211; If part of your cash to close, provide Gift Affidavit and proof of receipt of funds<\/li><li>Based on information appearing on your application and\/or your credit report, you may be required to submit additional documentation<\/li><\/ul><p><strong>Debt or Obligations<\/strong><\/p><ul><li>Prepare a list of all names, addresses, account numbers, balances, and monthly payments for all current debts with copies of the last three monthly statements<\/li><li>Include all names, addresses, account numbers, balances, and monthly payments for mortgage holders and\/or landlords for the last two years<\/li><li>If you are paying alimony or child support, include marital settlement\/court order stating the terms of the obligation<\/li><li>Check to cover Application Fee(s)<\/li><\/ul><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"when-should-i-refinance\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2553\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">When should I refinance?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-angle-right\" viewbox=\"0 0 256 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2553\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"when-should-i-refinance\"><p>It&#8217;s generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you&#8217;re saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.<\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-75497a5 e-con-full e-flex e-con e-parent\" data-id=\"75497a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;}\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 2600 131.1\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a8ccce elementor-widget elementor-widget-spacer\" data-id=\"2a8ccce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f02fbca elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"f02fbca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7e6ee8 elementor-widget elementor-widget-text-editor\" data-id=\"e7e6ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-4\" style=\"color: #ffffff; text-align: right;\"><a href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-127 size-medium\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-150x150.png 150w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp.png 534w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a>La hago simple<\/h1><p style=\"text-align: right;\">Nuestra aplicaci\u00f3n interactiva le gu\u00eda a trav\u00e9s de las diversas etapas del proceso de compra de una vivienda y de su financiamiento hipotecario. La aplicaci\u00f3n ayuda a mantenerle a usted, a su asesor de pr\u00e9stamos y a su agente inmobiliario conectados y sincronizados entre s\u00ed. Nos permite a todos trabajar en conjunto para hacer que el proceso sea fluido y sencillo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0e247c elementor-widget elementor-widget-button\" data-id=\"e0e247c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bcbce5d elementor-hidden-desktop elementor-hidden-tablet e-flex e-con-boxed e-con e-parent\" data-id=\"bcbce5d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-daebfe6 elementor-widget elementor-widget-image\" data-id=\"daebfe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png\" class=\"attachment-medium size-medium wp-image-127\" alt=\"\" srcset=\"https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-300x300.png 300w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp-150x150.png 150w, https:\/\/homeloansbyemma.com\/wp-content\/uploads\/2026\/04\/lhp.png 534w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce69551 elementor-widget elementor-widget-text-editor\" data-id=\"ce69551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"mb-4\" style=\"color: #ffffff; text-align: center;\">La hago simple<\/h1><p style=\"text-align: center;\">Nuestra aplicaci\u00f3n interactiva le gu\u00eda a trav\u00e9s de las diversas etapas del proceso de compra de una vivienda y de su financiamiento hipotecario. La aplicaci\u00f3n ayuda a mantenerle a usted, a su asesor de pr\u00e9stamos y a su agente inmobiliario conectados y sincronizados entre s\u00ed. Nos permite a todos trabajar en conjunto para hacer que el proceso sea fluido y sencillo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-90be1fc elementor-widget elementor-widget-button\" data-id=\"90be1fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/emmacavazos.my1003app.com\/?time=1778083523626\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e5658ef e-flex e-con-boxed e-con e-parent\" data-id=\"e5658ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;opacity-tilt&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 2600 131.1\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0 0L2600 0 2600 69.1 0 0z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.5\" d=\"M0 0L2600 0 2600 69.1 0 69.1z\"\/>\n\t<path class=\"elementor-shape-fill\" style=\"opacity:0.25\" d=\"M2600 0L0 0 0 130.1 2600 69.1z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f10986 elementor-widget elementor-widget-spacer\" data-id=\"9f10986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Frequently Asked Questions What can I do to improve my credit score? Credit scoring models are complex and often vary among creditors and for different types of credit. If one factor changes, your score may change &#8212; but improvement generally depends on how that factor relates to other factors considered by the model. 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