Find answers to common questions.
Many borrowers get an initial pre-approval within a day or two of submitting their information, once we've reviewed your basic financial details.
No. Checking your options through LoanSurface does not affect your credit score. A full credit check only happens later in the process, and only with your authorization.
Typically recent pay stubs, W-2s or tax returns, bank statements, and a photo ID. Your loan officer will confirm exactly what's needed for your situation.
In many cases, yes — though some loan programs have a waiting period (seasoning requirement) after your purchase closes. A loan officer can confirm what applies to you.
A cash-out refinance replaces your existing mortgage with a new, larger loan, letting you access a portion of your home's equity as cash at closing.
It depends on your home's value, your current loan balance, and the loan program. Many programs allow you to access a meaningful portion of your available equity while keeping some in reserve.
Timelines vary, but many loans close within a few weeks of a complete application, depending on the loan type and how quickly documentation is provided.
No. Checking your options is free and there's no obligation to move forward at any point in the process.