To start applying with My Mortgage Bros®, we recommend you have the following information on hand: A separate email address for each person that will be on the loan Your online banking username and password, or details about how much money is in each account you want us to consider for your approval (e.g., checking and savings accounts, retirement accounts, stocks and other assets) and your income

If you want to estimate how much you’ll need to bring to the closing table, it depends on whether you’re buying or refinancing. If you’re buying a home, plan to have at least 3% of the purchase price for a down payment and between 3% and 6% of the purchase price for closing costs.

You can get approved with a credit score as low as 580, as long as you meet our other eligibility criteria. Keep in mind that the score we use might be slightly different from the one you get from your credit card company or other source. We use a FICO® Score, but educational sources might use a different credit scoring model, such as a VantageScore. We still encourage you to apply even if you think your score is slightly below 580.