Equal Housing Lender


James Tuller has been a great ally time and again with our financing and refinancing needs. Thanks, Jamie and thanks Assured Mortgage Solutions!

Cathy Acierno Willauer

Scott is very knowledgeable and extremely diligent. My husband and I have worked with him on 2 refinances and we are always pleased with his hard work and integrity on the job. He's also just an all around great guy. Would highly recommend Scott for all of your mortgage needs!

Kelly Walton

If you are looking to refinance or purchase and need a loan, Scott Loeffel is the loan officer you need to call! He has the highest level of integrity, and will make the whole process as seamless as possible. I have used Scott on my personal refinance, and was so impressed, that I now recommend him to friends and family who are looking to get a loan.

Kristin Johnson Conant

Great service! Scott is very kind and patient; one of the quickest mortgage transactions I have ever had. I highly recommend!

Ana Hussey

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.