Frequently Asked Questions
Common Loan Questions
Start with the basics, then reach out for guidance specific to your income, goals, and timeline.
How do I know which loan option fits me best?
The best fit depends on your purchase plans, income, credit profile, available cash, and how long you expect to keep the home. A personalized review helps narrow the right path.
Can I buy with a lower down payment?
In many cases, yes. Some programs allow lower down payments, but eligibility and overall affordability still matter. Patti Jo can help you compare the tradeoffs clearly.
Is refinancing worth exploring right now?
Refinancing may make sense if it improves your rate, term, monthly payment, or access to equity. The right answer depends on your current loan and future plans.
What if I am self-employed?
Self-employed borrowers often have more documentation considerations, but there are still strong options available. Careful review of income records is the key first step. Check out our Self-Employed section and take our quiz!
Do I need to be in Rockwall to work with Patti Jo?
Nope! Patti Jo serves Rockwall County communities including Rockwall, Fate, Heath, Royse City, and McLendon-Chisholm, as well as borrowers across the state of Texas. She also has a branch in San Antonio!
