General About One Stop Lending
Q: What does One Stop Lending do?
A: One Stop Lending is a mortgage brokerage that helps borrowers find the best loan options by working with multiple lenders rather than just one bank. This allows us to offer competitive rates and flexible programs tailored to each client’s needs.
Q: Do you charge clients to work with you?
A: In many cases, our services are compensated by the lender—not directly by the borrower. We will always disclose how we are paid and any costs upfront.
Q: Are you a bank or a lender?
A: No. We are a mortgage broker, which means we work with a network of wholesale lenders to find the most suitable loan for you.
Loan Programs & Options
Q: What types of loans do you offer?
A: We offer a wide range of loan programs including:
Q: What if my credit isn’t perfect?
A: You may still qualify. We work with lenders who offer solutions for borrowers with lower credit scores, past credit challenges, or limited credit history.
Application & Process
Q: How do I get started?
A: You can start by completing an online application or contacting us directly. Once we review your information, we’ll discuss the best loan options for you.
Q: How long does the mortgage process take?
A: The process typically takes 25 - 45 days, depending on the loan type, documentation, and lender requirements.
Q: What documents will I need?
A: Common documents include:
Rates, Costs & Fees
Q: How are mortgage rates determined?
A: Rates are influenced by market conditions, your credit profile, loan type, down payment, and overall financial picture.
Q: Will my rate change?
A: Rates can change daily until locked. We’ll help you decide the best time to lock your rate based on your goals and market conditions.
Q: What costs should I expect at closing?
A: Closing costs usually include lender fees, title fees, appraisal, insurance, and prepaid items like taxes and insurance. We provide a Loan Estimate early in the process so there are no surprises.
Refinancing
Q: When should I consider refinancing?
A: You may want to refinance if:
Q: Can I refinance if I recently bought my home?
A: In many cases, yes. Certain programs allow refinancing shortly after purchase depending on your situation.
Self Employed & Unique Situations
Q: I’m self employed. Can I qualify?
A: Yes. We offer programs designed for self employed borrowers including bank statement loans and alternative documentation options.
Q: Do you offer non traditional loan programs?
A: Yes. We work with lenders that offer flexible programs for unique financial situations, including real estate investors.
Closing Questions
Q: Do you work with real estate agents?
A: Yes. We regularly collaborate with real estate agents to ensure a smooth process for our clients.
Q: How can I contact One Stop Lending?
A: You can call, email, or submit a request through our website. We respond promptly and are here to help.