Question 1

Will getting pre-approved hurt my credit score?

Accepted Answer

We start with a conversation and a soft credit review, which does not affect your score. A hard inquiry only happens when you choose to move forward with a lender, and we tell you before it happens.

Question 2

How long does pre-approval take?

Accepted Answer

Many clients hear back within one business day once we have their documents. Closing depends on the lender, the appraisal and title work. Our recent average is about 12 days.

Question 3

What does Horizon cost?

Accepted Answer

You get a written estimate of every fee, from lender charges to our own, before you commit to anything. If a number changes along the way, we tell you why.

Question 4

Can I invest if I already have a mortgage?

Accepted Answer

Yes, and many clients do both. We look at your whole picture, including cash reserves and debts, and tell you plainly if paying down your mortgage is the better move.

Question 5

Are the investments guaranteed?

Accepted Answer

No. Returns are projections, not promises, and your capital is at risk. Some opportunities are illiquid, which means you cannot withdraw whenever you like. Each fact sheet explains the risks before you decide.

Question 6

Do you work with self-employed buyers?

Accepted Answer

Yes. Self-employed income needs different documentation, and our advisors know which lenders handle it well.

Home loans, refinancing and investments in Virginia

What we do

Frequently asked questions