Stacy Ann Stephens

I use a soft credit pull for initial quotes — no impact to your score. You get real numbers without the risk, so you can explore options confidently.

Typically: ID, last 2 pay stubs, 2 years tax returns, W-2s, and bank statements. Self-employed? I'll walk you through exactly what fits your situation.

Fees vary by loan type and lender. I'm fully transparent — I break down every cost before you commit. No hidden surprises at the closing table.

I review your credit, explain exactly what's affecting your score, and give you a clear action plan. Knowledge is power — and we'll get you ready.