Find your perfect home loan.

Question 1

What types of home loans does Breezeful offer in the US?

Answer

Breezeful connects you with lenders offering purchase mortgages, refinance loans, home equity lines of credit (HELOCs), VA loans, FHA loans, conventional loans, and jumbo loans. Our mortgage experts help identify the best loan type for your situation.

Question 2

What's the difference between FHA and conventional loans?

Answer

FHA loans are backed by the Federal Housing Administration and require as little as 3.5% down with more flexible credit requirements — ideal for first-time buyers. Conventional loans are not government-backed, typically require stronger credit, but may avoid mortgage insurance with 20% down and offer more flexibility for higher loan amounts.

Question 3

How much do I need for a down payment?

Answer

Down payment requirements vary by loan type: FHA loans require as little as 3.5%, VA loans can be 0% down for eligible veterans, and conventional loans typically start at 3–5%. A larger down payment (20%+) eliminates private mortgage insurance (PMI) and may qualify you for better rates.

Question 4

What credit score do I need to qualify for a mortgage?

Answer

Minimum credit score requirements depend on the loan type. FHA loans can be approved with scores as low as 580 (with 3.5% down) or 500 (with 10% down). Conventional loans generally require 620+. VA loans have no set minimum but most lenders prefer 620+. A higher score typically means better rates.

Question 5

Can Breezeful help with VA loans?

Answer

Yes. Breezeful works with lenders who specialize in VA loans for eligible veterans, active-duty service members, and surviving spouses. VA loans offer 0% down, no PMI, and competitive rates. Our mortgage experts will confirm your eligibility and guide you through the Certificate of Eligibility (COE) process.

Question 6

How long does it take to get pre-approved?

Answer

Most applicants receive a pre-approval decision within 24 hours of submitting their application. Pre-approval strengthens your offer with sellers and helps you understand exactly how much you can borrow before you start house-hunting.

Question 7

What are typical closing costs in the US?

Answer

Closing costs in the US typically range from 2–5% of the loan amount and include lender fees, appraisal, title insurance, and government recording fees. The exact amount depends on your state, loan type, and lender. Breezeful can walk you through an itemized estimate before you commit.

Question 8

Does applying with Breezeful affect my credit score?

Answer

Getting pre-approved typically involves a hard credit inquiry, which may temporarily lower your score by a few points. However, when you submit multiple mortgage applications within a 45-day window, credit bureaus typically treat them as a single inquiry. We use a single credit check to shop multiple lenders on your behalf.

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Common questions about US home loans

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