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Each loan scenario is custom built for each client. You are not required to put 20% down, and for most First Time Home Buyers you could put as little as 3% - 3.5% down. If you served in the military or are a surviving spouse of a veteran you also could have the opportunity to put 0% down on a home. (This does not include any grant or first time home buyer options.)","@type":"Answer"}},{"name":"When should I get pre-approved?","@type":"Question","acceptedAnswer":{"text":"As soon as possible. This means typically 6-12 months before closing on a home you should be connecting with The Mortgage Collective on your options and ensuring that everything is in tip top shape. This will also give you a ballpark as far as savings and if we need to do any credit work to get you the best possible deal for your specific situation.","@type":"Answer"}},{"name":"How will shopping for a mortgage impact my credit?","@type":"Question","acceptedAnswer":{"text":"Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other creditors realize that you are only going to buy one home. You can typically expect a 2–5-point ding on your credit report during the 45-day window.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-07-01T03:18:23.272856+00:00","updated_at":"2026-07-01T03:18:23.258+00:00","faq":[{"answer":"The standard pre-approval with The Mortgage Collective will last for 120 days from the date your credit is pulled.","category":"general","question":"How long does my pre-approval letter last?"},{"answer":"Short ‍answer, ‍no. ​Each ​loan ​scenario ​is ‍custom ​built ​for ‍each ​client. ‍You ‍are ‍not ‍required ‍to ​put ‍20% ​down, ​and ​for ​most ​First ​Time ‍Home ​Buyers ​you ​could ​put ​as ‍little ​as ‍3% ​- ‍3.5% ​down. ‍If ​you ​served ​in ‍the ‍military ‍or ‍are ‍a ‍surviving ​spouse ‍of ‍a ‍veteran ​you ​also ​could ​have ‍the ​opportunity ​to ‍put ​0% ‍down ‍on ‍a ‍home. ‍(This ​does ‍not ​include ​any ​grant ​or ​first ​time ‍home ​buyer ​options.)","category":"services","question":"Do you 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