Loan Resources


Loan Options

Conventional Loan

Helping you live the dream of homeownership. For first time buyers to experienced home owners: Conventional loans come in a variety of options to suit a broad spectrum of qualified borrowers.


  • 3% payment required
  • Minimum credit score of 620

FHA Loans

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


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

Veteran Loans

Let your military service get you a 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 home ownership a reality. Providing affordable home ownership 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

Reverse Mortgages

A Reverse Mortgage is a loan for homeowners aged 62 and older that allows you to convert part of your home equity into cash—without selling your home or making monthly mortgage payments. It’s a flexible way to boost your retirement income and gain peace of mind while staying in the home you love.

  • No monthly mortgage payments required
  • You retain ownership and stay in your home
  • Receive funds as a lump sum, monthly payments, or a line of credit
  • Does not impact Medicare or Social Security benefits

Item Link

Items Needed for Pre-Approval

  • W2s from the last two years 
  • 1040 Federal Tax Returns from the last two years (all pages) 
  • If you are a business owner, you will need business tax returns and K1s 
  • 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 may include: offer letter for employment, school transcripts, social security or pension award letters, divorce decree, bankruptcy papers, short sale documentation. 


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