We answer the mortgage questions we hear most so you can understand options and next steps quickly. For an overview of lending options we provide, see our services page; to see the neighborhoods and cities we serve, view our service area page; for specifics about how we work as a broker, see our Mortgage Broker service page.
Frequently asked questions
How do I start the mortgage application process with you?
Start by gathering basic financial information so we can assess options and preapproval potential.
Typical first steps are sharing income, asset and identification documents and completing a short application so we can run an initial eligibility review and explain loan choices.
What documents will you need to get preapproved?
The core documents are recent pay stubs, tax returns, bank statements and a photo ID.
If you are self employed we will ask for business tax returns and year to date profit and loss statements, and investors may need rental income history and property statements.
How long does preapproval take and how long until closing?
Preapproval can take a few days when documentation is complete, and closing commonly takes about 30 to 45 days from contract to settlement.
Timelines vary by loan type, appraisal scheduling, underwriting and how quickly documentation is verified, and we explain expected dates based on your loan choice and local market conditions in Atlanta.
How does a mortgage broker get paid and what does it cost me?
Compensation varies by lender and loan product and will be disclosed on your Loan Estimate and in writing as required.
We discuss all origination and lender fees early in the process so you can compare options and make an informed choice about which loan and pricing fit your goals.
Which loan types do you handle?
We arrange conventional, FHA, VA, USDA, investment property loans, refinance transactions and home equity loans.
We match each borrower with lenders and programs that fit their situation, including options for first time buyers, veterans, investors and self employed borrowers.
Can you help self employed borrowers who have variable income?
Yes, we work with self employed borrowers and help identify acceptable documentation and lenders that accommodate alternative income patterns.
Depending on the situation, approval can be based on tax returns, year to date profit and loss statements, or lender specific documentation requirements, and we explain which lenders are likely to be a good fit.
Do you help veterans get VA home loans?
Yes, we assist eligible veterans with VA home loans and explain the VA process and funding fee considerations.
We can review your eligibility, gather required service documentation and walk through the VA specific steps that differ from conventional or FHA underwriting.
Can you help me refinance or do a cash out refinance?
Yes, we handle rate and term refinances as well as cash out refinances and present options based on your goals and break even timing.
For details on refinance program types and timing see our Refinance page so you can evaluate whether a refinance matches your financial plan.
What does a preapproval letter actually mean?
A preapproval letter is an estimate of the loan amount you are likely to qualify for based on preliminary information.
It is not a final commitment; full underwriting and documentation verification occur after you have a contract and during the formal loan process.
How do you work with real estate agents during a purchase?
We coordinate with agents to align timing for preapproval, appraisal and closing so offers are competitive and feasible.
Agents often ask us for clear financing timelines, and we provide loan options and estimated closing dates so everyone on the transaction understands milestones.
Are you licensed and who do you partner with?
Yes, Ben Bell is a licensed mortgage broker, NMLS 1450064, and partners with UMortgage, NMLS 1457759.
We operate as an Equal Housing Opportunity Lender and serve Atlanta and surrounding communities with a focus on clear communication and personalized service.