George Morcos

Initial rate quotes are based on a soft credit inquiry that does not impact credit scores. A hard credit pull is completed only with borrower authorization when moving forward with a loan application.

I review clients' credit reports and provide guidance on improving scores, such as addressing balances, payment history, and timing, before submitting a formal loan application.

Initial documentation generally includes income verification, asset statements, government-issued ID, and authorization to obtain credit, subject to loan program requirements.

I encourage clients to start the conversation early. It allows us to plan ahead, strengthen their financial position, and ensure they’re fully prepared when the time is right.