Equal Housing Lender


"I didn't know that refinancing my home would be so easy, especially with all the regulatory changes. I did need to gather some information, but beyond that the entire process was handled very smoothly, Scott even came to my home after work to work through the paperwork. Now I enjoy a lower interest rate, lower monthly payments and a month with no mortgage during the transition. I would recommend Scott to my friends who are interested in financing or refinancing their home."

Pete Plummer

Loan Programs

Conventional loans:

One of the standard requirements for conventional loan approval is a good credit score. It's recommended that a borrower has a credit score of at least 620 before applying.  Another requirement is that a borrower be prepared to pay a down payment of at least 5 percent, usually more. The applicant will also need to provide the lender with proof of steady employment and the previous year's tax returns in order to verify income.

Conventional loans are extremely versatile. Borrowers can opt for mortgage programs such as an interest-only loan, ARM loan, or 40 year mortgage. Financing features of conventional loans allow the borrower to choose between a fixed interest rate that will always stay the same or an adjustable interest rate that keeps mortgage payments low during the first few years of repayment.

Rural Development

Are you ready to own a home but are not sure you will qualify due to lack of a down payment?   
Rural Development may be able to help you!  USDA Rural Development has partnered with local lenders to help them extend 100% financing opportunities to rural individuals and families.

  • No down payment required - 100% Financing Available
  • Flexible credit and qualifying guidelines.

The Rural Development guaranteed loan program has assisted thousands of customers just like you.  When you call please let any of our trained professionals know you want to apply for the  USDA Rural Development Guaranteed Housing Loan


The U.S. government offers the FHA loan program to make home-buying easier. The government guarantees part of the loan if you default, which means that they pay the bank if you fail to make your payments. Since the loan is partially guaranteed, it's easier to get. They offer low down payment options of 3.5% on owner-occupied single family and 2-units properties. On three and four Family owner occupied properties only 5% down is required. FHA does require borrowers to provide an up-front funding fee that the borrower is allowed to finance. This is a very attractive loan program for the borrowers with minimal money to put down.


VA loans are an option for veterans, and it's possible to put 0% down on one. Just like with FHA loans, the VA itself doesn't lend money, it just guarantees part of the loan so lenders feel comfortable lending the money. VA-guaranteed loans can be combined with second mortgages (which is when the bank makes the main loan covering most of the price of the house, and the seller makes a separate loan to the buyer for the rest of the price.) VA loans can be assumed by any future qualified buyer, so your hands aren't tied if you need to sell -- you can sell to anybody, not just another veteran.