Maggie Bao
Senior Loan Officer.

The amount depends on the program, occupancy, property and borrower profile. Some eligible programs allow lower down payments; investment and jumbo loans may require more.

具体比例取决于贷款项目、房屋用途、房产类型及申请人条件。部分合格项目允许较低首付，投资房或高额贷款通常要求更多。

A pre-approval generally reviews credit, income, assets and debts to estimate an eligible loan range before you make an offer.

预批准通常会审核信用、收入、资产和负债，帮助您在出价前了解可能的贷款额度与购房预算。

No. Final approval still depends on verified information, the selected property, appraisal, title and underwriting requirements.

不等于。最终批准仍取决于资料核实、具体房产、估价、产权及承保审核等条件。

Credit can affect available programs, pricing and mortgage-insurance requirements. The full credit history and overall file also matter.

信用情况可能影响可选项目、利率定价与贷款保险要求；审核也会结合完整信用记录和整体申请条件。

Potentially, yes. Depending on the program, review may include tax returns, business financials, bank statements, assets and income stability.

有可能。根据项目不同，可能审核报税表、公司财务、银行流水、资产以及收入持续性。

A rate lock generally holds specified pricing for a limited period. Changes to the file or an expired lock may affect the final terms.

锁息通常是在限定期限内保留特定定价。若申请条件发生变化或锁息到期，最终条款仍可能调整。

They may include lender charges, appraisal, title and escrow services, government fees, prepaid interest, insurance and tax reserves.

通常可能包括贷款机构费用、估价、产权与托管服务、政府费用、预付利息、保险及税费储备等。

Refinancing may support a rate, term, payment or equity goal, but costs and the break-even period should be compared carefully.

再贷款可能用于调整利率、期限、月供或提取房屋净值，但应同时比较费用、回本时间和长期现金流。

It may, subject to the program, property type, lease or market-rent documentation, expenses and underwriting calculations.

在符合项目要求时可能可以，但会结合房产类型、租约或市场租金证明、相关支出及承保计算。

A useful first review often starts with goals, timeline, income sources, current debts, available funds and the property plan.

初步评估通常从您的目标、时间安排、收入来源、现有负债、可用资金和房产计划开始。