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Knowledge Base

Frequently Asked Questions

Find comprehensive answers about real estate, mortgages, and our elite process. Can't find what you're looking for? Reach out to our team directly.

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Frequently Asked Questions

General Inquiries

Nationwide & State Lending

Agent Network

Local Partners

Buying a Home

Selling a Home

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Frequently Asked Questions

General Inquiries

Are you the same as FIG Mortgages?

What makes FIG Homes & Loans different?

Do I have to use both your real estate and mortgage services?

What areas do you serve?

How do I get started?

Are your consultations free?

Are you available on weekends?

Do you handle commercial real estate?

What is the difference between a mortgage broker and a bank?

Can I use my own real estate agent and just use your mortgage services?

Nationwide & State Lending

Are you licensed to lend in all 50 states?

Do loan limits vary by state?

Can I use a California lender to buy a home in Texas?

Are mortgage rates the same in every state?

Do property taxes affect my mortgage qualification?

Can I get a VA loan in any state?

What is a state-specific down payment assistance program?

Are closing costs the same everywhere?

Can I buy an investment property out of state?

How do I sign closing documents if I'm buying out of state?

Do I need to visit the state to buy a home there?

Are jumbo loan limits the same nationwide?

Do you offer Bank Statement loans in all 50 states?

Does my credit score requirement change by state?

What is an attorney state vs. an escrow state?

Can I roll my state's closing costs into the loan?

Do you help with military relocations across state lines?

How do property insurance requirements vary?

Can I use an FHA loan for a multi-family property out of state?

How fast can you close an out-of-state loan?

Agent Network

What is the FIG Agent Network?

Is there a fee to join the Agent Network?

How do you communicate during a transaction?

Do you offer co-branded marketing?

Can you rescue a deal if another lender falls through?

Do you provide pre-approval letters on weekends?

How fast can you close?

Do you share leads with network agents?

What loan products do you offer my clients?

How do I sign up?

Local Partners

What is the Local Partners program?

How does a business get added to the Local Partners list?

Is there a cost to be listed?

Do you guarantee leads to local partners?

What categories of partners do you look for?

Can partners be listed in multiple states?

How do clients contact partners?

Do you require reciprocal referrals?

How do I apply to become a partner?

Can I provide a special discount for FIG clients?

Buying a Home

How much do I need for a down payment?

What is earnest money?

How long does it take to buy a home?

Should I sell my current home before buying a new one?

Do I have to pay my real estate agent as a buyer?

Should I do a home inspection?

What is a home warranty?

Can the seller back out of an accepted offer?

Do I need title insurance?

How do property taxes work when buying a home?

Selling a Home

How do you determine my home's value?

What should I do to prepare my home for sale?

How long will it take to sell my home?

What is a contingency in real estate?

Are real estate commissions negotiable?

Should I remodel my kitchen before selling?

What are seller concessions?

Can I sell my home 'As-Is'?

How do you handle multiple offers?

What happens if the appraisal comes in lower than the purchase price?