Financing Expertise Built Into Every Move
We don’t just help you find the right home - we help you secure it with the right financial strategy. With in-house lending expertise, we make your path to ownership smoother, faster, and smarter.
More Than Approval
In today’s market, strong financing isn’t just important - it’s essential. As a licensed mortgage broker and top-producing agent, Ghassan Kanafani offers clients an unmatched advantage as their lender.
You’ll move faster, negotiate better, and buy with total clarity.
A Competitive Edge at Closing
Personalized Lending Solutions
Your financial situation, goals, and timeline are unique - and so is our approach. We work with a curated network of lending partners to match you with the right product, whether you’re a first-time buyer, upgrading your lifestyle, or investing.
“I had the pleasure of working with Ghassan as both my real estate agent and my mortgage broker. He was incredibly transparent throughout the home buying process, explaining each step and ensuring all my questions were addressed with promptness.”
— Rick Z.
Questions about financing
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Most pre-approvals are valid for 60 to 90 days, depending on the lender. This gives you a strong window to search and submit offers with confidence. If you haven’t found the right property within that time, updating your pre-approval is typically simple and involves re-verifying your financial information. Staying current ensures you’re always ready to act when the right opportunity appears.
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In many cases, yes. Some lenders offer a soft credit pull during initial pre-qualification, which doesn’t affect your credit score. However, a full pre-approval typically requires a hard inquiry to verify your financial standing accurately. This small impact is well worth the competitive edge you gain - and we’ll advise you on how to approach it to minimize any effect.
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Rates can fluctuate while you’re searching, but you’re not locked into anything until you secure a specific loan and lock your rate. We monitor the market closely and can advise when it’s smart to lock, float, or adjust your financing strategy. Our goal is to help you balance rate security with flexibility so you stay competitive without overpaying.
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It depends on your loan program and goals. Some options, like VA or USDA loans, require no down payment, while conventional loans typically start at 3–5% down for qualified buyers. However, putting down 20% or more can help you avoid mortgage insurance and secure better terms. We’ll help you explore the right structure based on your financial goals, not just the minimums.
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To complete a loan application and pre-approval, you’ll typically need:
Recent pay stubs (usually covering the past 30 days)
W-2 forms and/or tax returns for the past two years
Bank statements for checking, savings, and investment accounts
A copy of your driver’s license or ID
Employment verification and contact information
Self-employed buyers may need additional documents like profit and loss statements or business tax returns. Gathering these early allows us to move quickly when the right home comes along.
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Yes, you can change lenders after getting pre-approved if needed. However, it’s important to manage the timing carefully - especially if you’re already under contract. Switching lenders late in the process can cause delays or additional underwriting requirements. We’ll guide you if a change is in your best interest, ensuring it’s handled strategically and with minimal disruption.
Keep Your Approval and Closing on Track
Once you’re pre-approved - or under contract - it’s critical to maintain financial stability. Avoid large purchases, opening new credit lines, or changing jobs without consulting your lender. Our team will guide you through the do’s and don’ts so your closing stays on schedule.