Loan Resources

Loan Resources

Loan Options

We don’t want you to feel like you’re wandering in the dark when it comes to finding the right home loan for you. That’s why we have so many illuminated loan paths for you to go down!


Between loan options for first-time homebuyers or loan options for bad credit, it’s our mission to elevate individuals like yourself and help you to unlock your full potential through finances.

Conventional Loans

Helping you live the dream of homeownership. For first-time buyers to experienced homeowners, conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • Conventional 95%
  • Standard 97%
  • High Balance
  • Lender Paid Mortgage Insurance
  • Min Fico 620+

Reverse Mortgages

A Reverse Mortgage for Purchase allows seniors to use reverse mortgage proceeds, along with a down payment, to complete the purchase of a primary residence within a single transaction.


There are many misconceptions regarding Reverse Mortgages. Today’s government insured Reverse Mortgages are safe and offer a welcome “safety net” to protect seniors.


  • Available to seniors, age 62 and older
  • No monthly mortgage payments
  • Homeowner retains title to the property
  • Government insured (FHA)
  • Fixed rate and adjustable rate options

FHA Loans

Making home ownership accessible and affordable. The FHA loan is a great product that helps many people become homeowners. FHA loans are designed to benefit buyers who do not have perfect credit or a large down-payment.


  • Great for first-time home buyers
  • 3.5% down payment required
  • Minimum credit score of 600
  • 6% sellers assist allotted

VA Loans

Let your military service bring you to your dream home. The VA loan is an excellent loan option that assists our Veterans with obtaining home ownership.


  • Great for active military and veterans
  • No down payment required
  • Minimum credit score of 620

USDA Loans

The USDA home loan program helps lenders work with low and moderate-income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.


  • Great for first-time home buyers
  • No down payment required
  • Minimum credit score of 620
  • Low fixed rate
  • Low monthly mortgage guarantee fees

Items Needed for Pre-Approval

When you prepare for the pre-approval process, make sure you have these items ready to go to make things go faster:


  • W2s from the last two years 
  • 1040 Federal Tax Returns from the last two years (all pages) 
  • Business tax returns and K1s (for business owners only)
  • 2 most recent paystubs 
  • 2 months of recent statements for all assets (checking, savings, money market, retirement, etc.) 
  • Driver’s license or passport 
  • Other documentation we might need may include:
  • Offer letter for employment, school transcripts, social security or pension award letters, divorce decree, bankruptcy papers, and short sale documentation

Calculate Your Monthly Payments

Have you ever been curious about what your monthly mortgage payment might be on a future home? Check out our great mortgage calculator tool to help start the conversation about homeownership!

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