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Q&A
Turn Your Dream Home into Reality with FG Mortgage—Flexible Solutions, Competitive Rates, and Personalized Support at Every Step.
Who is Filipe Guimarães?
An experienced Loan Officer with over 20 years in the industry and more than 1,500 U.S. families served
How can Filipe help me?
- Personalized analysis
- Help obtaining quick pre-approval
- Access to the best rates and conditions
- Full support throughout the process
Why do I need a Loan Officer?
- Technical expertise reduces mistakes and ensures approval
- Access to specialized programs (ITIN, SSN, Brazilians in Brazil)
- Time and cost savings by avoiding bureaucracy and delays
Which type of loan should I use to buy a house?
- FHA Loan: Low down payment, ideal for first-time buyers
- Conventional Loan: For higher credit and down payments
- DSCR Loan: No income verification required
- ITIN Loan: For those without SSN; 15–20% down
- Commercial Loan: For investment properties with rental income focus
- Non-QM Loan: Flexible option for self-employed/foreign buyers
How much down payment do I need?
- FHA: from 3.5%
- Conventional: typically from 5%
- ITIN: 15–20%
- Foreign buyer loans: 25–30%
Can I put down less with an SSN?
Yes — with SSN, you qualify for FHA loans starting at just 3.5% down ().
What about ITIN holders?
Yes — there are ITIN-specific programs requiring 15–20% down ().
First-time homebuyer—what’s best?
FHA loans are usually ideal for first-time buyers due to lower down payment and accessibility ().
What’s my first step if I decide to finance?
What do I need for a pre-approval letter?
- Proof of income
- Credit score (hard pull)
- Employment information
- ID (ITIN or SSN)
- Proof of down payment
Why check my credit score?
Determines best loan path; hard credit pull is used for full transparency
Don’t have down payment yet?
Start planning now—FG Mortgage helps you prepare until you’re ready
What is a pre-approval letter?
A document showing your financing capacity, strengthens offers, and sets borrowing limits ().
After getting the letter?
What are closing costs?
What does closing include?
- Appraisal fee
- Legal and title fees
- Property insurance
- Administrative charges
Filipe offers a personalized cost simulation
Can I refinance for a lower payment?
Financing a fix & flip (renovate/resell)?
Hard money loans are designed for fast flips; analysis includes:
- Total rehab cost + financing
- Resale potential
- Timelines
Does FG Mortgage handle auction purchases?
Yes—in some cases, financing is possible if:
- Property condition allows it
- Proper documentation exists
- You qualify
Contact the FG Mortgage team to prepare.
