At Jhenesis Mortgage, conventional and FHA pre-approvals are typically completed within 24–48 hours of receiving a complete application. Non-QM, DSCR, ITIN, and foreign national loans may take 3–5 business days due to additional program review. Stacy Ann Stephens personally reviews every file and responds within one business day of your initial submission — no automated pipeline, no voicemail maze.

Minimum score requirements by loan type: Conventional — 620+. FHA — 580+ (3.5% down) or 500–579 (10% down). VA — 580+ (varies by lender). DSCR, ITIN, and non-QM loans have more flexible guidelines that vary by program and lender. Credit score isn’t the only qualifying factor — income type, down payment, and loan-to-value ratio all play a role. Call 407-630-9766 if you’re unsure where you stand.

Requirements vary by loan type. Conventional / FHA: 2 years of tax returns, recent pay stubs, W-2s, 2 months bank statements, government ID. Non-QM / bank statement loans: 12–24 months of bank deposits — no tax returns required. DSCR loans: property details and a rent estimate or lease agreement — no personal income docs needed. ITIN loans: ITIN card and 2 years of ITIN tax filings. Foreign national: passport and proof of foreign income. VA loans: Certificate of Eligibility (we can help you get this).

Yes. Jhenesis Mortgage offers ITIN mortgage applications for buyers who use an Individual Taxpayer Identification Number instead of a Social Security Number. U.S. citizenship, a green card, and permanent residency are not required. We also accept foreign national applications — for international buyers with no U.S. documentation at all. Click any loan card above or call 407-630-9766 to start.

Yes. DSCR loans are one of our most popular applications from investors. They qualify based on the property’s rental income — not your personal income or tax returns. No W-2s or pay stubs required. You’ll need: property address, expected monthly rent or existing lease, and down payment details. DSCR applications typically move quickly — most investors have an answer within 1–2 business days.

Yes — submitting an application or pre-qualification request is completely free and carries no obligation. Loan origination fees and lender costs are disclosed upfront on your Loan Estimate, issued within 3 business days of your completed application. There are no surprises and no pressure to proceed after reviewing your estimate.

A mortgage broker like Jhenesis Mortgage (NMLS #2532705) works on your behalf, shopping your file across 50+ wholesale lenders to find your most competitive rate and terms. A bank only offers its own products. For borrowers who are self-employed, use an ITIN, are foreign nationals, or need DSCR investor financing — broker channels provide access to programs most retail banks don’t carry at all. You get more options, competitive rates, and a licensed professional personally advocating for your deal.