Question 1

How quickly can I get pre-approved?

Accepted Answer

Most borrowers receive a pre-approval decision within 24 hours of submitting their application and supporting documents.

Question 2

What documents do I need to apply?

Accepted Answer

Typically: two years of tax returns, recent pay stubs, bank statements, and a government-issued ID. Your loan specialist will provide a complete checklist.

Question 3

Do you lend in my state?

Accepted Answer

Yes — Sterling Home Loans is licensed in all 50 states. Rates and programs may vary by location.

Question 4

Will checking my rate affect my credit score?

Accepted Answer

Getting a rate quote only requires a soft credit pull, which does not affect your score. A hard pull is only initiated when you formally apply.

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