Learn how collections affect mortgage approval, whether you need to pay them off, and what options exist for home buyers with unpaid collections.
NMLS: 2453212
3363 E Presidential Drive Suite 200
Meridian, Idaho 83642
Melissa Mason delivers a luxury-level mortgage experience at every price point. Combining white-glove service, strategic guidance, and exceptional communication to make every client feel like a VIP. From first-time buyers, to high-end homeowners, she is known for creating a seamless, elevated lending experience with precision, accessibility, and care.
Learn how collections affect mortgage approval, whether you need to pay them off, and what options exist for home buyers with unpaid collections.
Mortgage preapproval typically lasts 60–90 days. Understand what happens when it expires, how to renew it, and when to apply for yours.
Many people who consider buying a home for the first time often ponder these questions before they start the process. With all of the questions that arise, usually, the biggest concern is whether they can afford a down payment on a new home.
If you’ve always dreamt of owning a home, our First-Time Buyers Guide will turn that vision into reality. We’ll guide you through each step, making your dream achievable.