Showing posts with label first time home buyer loan. Show all posts
Showing posts with label first time home buyer loan. Show all posts

Kentucky First-Time Home-Buyer Programs

Kentucky First-Time Home Buyer Programs 2025 | Complete Guide & Down Payment Assistance

Kentucky First-Time Home Buyer Programs 2025: Your Complete Guide to Homeownership

New for 2025: Kentucky Housing Corporation (KHC) has increased their purchase price limit to $544,232 effective June 23, 2025, opening doors for more first-time home buyers across Kentucky. Whether you're looking in Louisville, Lexington, or rural Kentucky communities, we'll help you find the right program with down payment assistance up to $10,000.

Kentucky First-Time Home Buyer Programs: What's Available in 2025?

Kentucky offers some of the most comprehensive first-time home buyer assistance programs in the nation. From zero-down payment options to substantial down payment assistance, first-time buyers in Kentucky have multiple pathways to homeownership. Here's what makes Kentucky special for new home buyers:

  • Kentucky Housing Corporation (KHC) provides up to $10,000 in down payment assistance
  • USDA Rural Development loans offer 0% down for eligible areas in Kentucky
  • FHA loans require as little as 3.5% down with credit scores as low as 580 or 10% down with a 500 credit score
  • VA loans provide 0% down for eligible veterans and active military
  • Conventional loans with as little as 3% down for qualified borrowers

The best part? Many of these programs can be combined to maximize your buying power and minimize out-of-pocket costs.

Kentucky Home Buyer Programs: Side-by-Side Comparison

Program Minimum Credit Score Down Payment Income/Price Limits Best For
FHA Loan 580 (3.5% down)
500-579 (10% down)		 3.5% minimum Up to $524,225 in high-cost KY counties Lower credit scores, flexible qualification
USDA Rural Development 640+ (preferred) but no minimum score 0% down payment 115% of area median income; rural/$119,850 to $158,250 typically based on household size family Rural buyers, zero down payment
VA Loan No minimum (lender overlay 620 or higher preferred) 0% down payment No income limits; must meet VA eligibility for residual income limits Veterans, active military, eligible spouses
KHC Down Payment Assistance 620-660 (varies by loan type) 0% with assistance Income limits vary by county; $544,232 max price First-time buyers needing down payment help
Conventional 95-97% LTV 620+ but 720 or higher is usually needed with at least 5% down with mi gets approved 3% minimum max debt to income ratio of 45% and 50% on front end and back end ratios $806,500 Kentucky limit Good credit, ability to cancel PMI

FHA Loans for First-Time Buyers in Kentucky

FHA loans are the most popular choice for Kentucky first-time home buyers, and for good reason. The Federal Housing Administration backs these loans, making them less risky for lenders and more accessible for borrowers.

Kentucky FHA Loan Benefits:

  • Low down payment: Just 3.5% with a 580+ credit score
  • Flexible credit requirements: Scores as low as 500 accepted (with 10% down)
  • Gift funds allowed: Down payment can come from family gifts
  • Seller concessions: Sellers can contribute up to 6% toward closing costs
  • Assumable loans: Future buyers can take over your FHA loan

2025 FHA Loan Limits in Kentucky:

Most Kentucky counties have an FHA loan limit of $524,225

FHA Mortgage Insurance in Kentucky:

FHA loans require both upfront mortgage insurance (1.75% of loan amount) and annual mortgage insurance. For 2025, annual rates range from 0.15% to 0.75% depending on loan-to-value ratio and loan term and loan amount Everyone pays the same with FHA.

USDA Rural Development Loans in Kentucky

Kentucky's rural and suburban communities are perfect for USDA loans, which offer 100% financing (no down payment) for eligible properties and borrowers.

USDA Loan Advantages:

  • Zero down payment required
  • Competitive interest rates
  • No prepayment penalties
  • Flexible credit guidelines
  • Lower mortgage insurance than FHA loans

USDA Eligibility in Kentucky:

Contrary to popular belief, "rural" doesn't mean farmland. Many suburban areas around Louisville, Lexington, and other Kentucky cities qualify for USDA financing. Key requirements include:

  • Property must be in a USDA-eligible area see link below (we can check any address)
  • Household income cannot exceed 115% of area median income see link below
  • Must be primary residence, not investment or second homes
  • Credit score of 640+ for automated approval, but can do a manual underwrite with scores below 640 with a maxiumum debt to income ratio of 29% and 41% respeivrtly on front end and back end ratios

Popular USDA-Eligible Areas in Kentucky:

Many communities around major cities qualify, including parts of Oldham, Shelby, Spencer, Bullitt, and other counties near Louisville, plus numerous areas around Lexington, Bowling Green, and other Kentucky metros.

VA Loans for Kentucky Veterans and Military

Kentucky's strong military presence means many first-time buyers can take advantage of VA loan benefits, which are among the best available.

VA Loan Benefits:

  • No down payment required
  • No private mortgage insurance
  • Competitive interest rates
  • No prepayment penalties
  • Assumable loans
  • Reusable benefit

VA Loan Eligibility:

Veterans, active-duty service members, National Guard, Reserves, and eligible surviving spouses may qualify. You'll need a Certificate of Eligibility (COE) from the VA.

VA Funding Fee:

While VA loans don't require montlhy mortgage insurance, there is a upfront funding fee, varies click here for more info Veterans with service-connected disabilities are exempt from this fee.

Kentucky Housing Corporation (KHC) Down Payment Assistance

The Kentucky Housing Corporation offers the most significant down payment assistance in the state, helping qualified first-time buyers overcome the biggest barrier to homeownership.

KHC Program Highlights:

  • Up to $10,000 in down payment assistance
  • Forgivable loans in many cases
  • Can be combined with FHA, VA, USDA, or conventional loans
  • Below-market interest rates
  • $544,232 maximum purchase price (effective June 23, 2025)

KHC Income Limits by County (2025):

Income limits vary by county and household size. For example:

  • Jefferson County (Louisville): Up to $99,700 for 1-2 person household
  • Fayette County (Lexington): Up to $92,400 for 1-2 person household
  • Most other counties: $73,500-$89,100 for 1-2 person household

How KHC Down Payment Assistance Works:

KHC provides a second mortgage for down payment and closing cost assistance. In many cases, this loan is forgiven after 5-10 years of occupancy, making it essentially a grant.

How to Qualify for Kentucky First-Time Home Buyer Programs

First-Time Buyer Definition:

Most programs define "first-time buyer" as someone who hasn't owned a home in the past 3 years. Some exceptions apply for single parents, divorced individuals, and displaced homemakers.

General Qualification Requirements:

  • Credit Score: Minimum varies by program 620 for government loans and 660 for conventinonal loans
  • Income: Must be within program limits for your area
  • Employment: Stable 2-year work history
  • Debt-to-Income: Typically 50% or lower
  • Assets: Enough for down payment and closing costs (unless using assistance)
  • Primary residence: Must be your main home

Required Documentation:

  • Recent pay stubs or monthly statements if on fixed income (30 days)
  • Tax returns and w-2's(2 years)
  • Bank statements (2 months)
  • Credit report
  • Employment verification for last two years
  • ID and Social Security card

Kentucky First-Time Home Buyer Process: Step-by-Step Guide

Step 1: Check Your Credit and Finances

Pull your free credit report from annualcreditreport.com and review your finances. Calculate how much you can afford for a monthly payment including principal, interest, taxes, and insurance.

Step 2: Get Pre-Qualified

Contact a Kentucky-licensed loan officer for a free pre-qualification. This will help you understand your buying power and which programs you qualify for.

Step 3: Choose Your Home Loan Program

Based on your location, credit, and financial situation, select the best program or combination of programs for your needs.

Step 4: Find a Kentucky Realtor

Work with a buyer's agent who understands first-time buyer programs and can help you find homes within your budget and program requirements.

Step 5: Apply for Your Mortgage

Submit your complete application with all required documentation. Your loan officer will guide you through underwriting and closing.

Step 6: Close on Your New Home

Attend your closing, sign the paperwork, and get your keys! Welcome to homeownership in Kentucky!

Kentucky Home Buying Timeline: What to Expect

Understanding the timeline helps you plan your home purchase:

  • Pre-qualification: Same day to 24 hours
  • House hunting: 2-8 weeks (varies by market and preferences)
  • Loan processing: 30-45 days from application to closing
  • USDA loans: May take 35-45 days due to rural development review
  • KHC loans: Allow extra time for down payment assistance processing

Frequently Asked Questions About Kentucky First-Time Home Buyer Programs

What credit score do I need to buy a house in Kentucky?

Credit score requirements vary by program: FHA loans accept scores as low as 580 (or 500 with 10% down), USDA prefers 640+ but can go lower on a manual undewrite, VA loans have no official minimum but lenders typically want 620+, and conventional loans usually require 620+ but usually need 700 or highere. KHC programs follow the underlying loan type requirements.

Can I get down payment assistance in Kentucky?

Yes! Kentucky Housing Corporation provides up to $10,000 in down payment assistance for qualified first-time buyers. Many of these loans are forgivable after 5-10 years. Additionally, FHA, VA, and USDA loans allow seller contributions toward closing costs.

What areas of Kentucky qualify for USDA loans?

Much of Kentucky outside major metro centers qualifies for USDA financing. This includes many suburban areas around Louisville, Lexington, and other cities. We can check any specific address for USDA eligibility at no cost.

How much can I borrow with Kentucky first-time buyer programs?

Loan limits vary by program and location. FHA limits go up to $524,225 in high-cost Kentucky areas, USDA has no set limit but income restrictions apply, VA loans have no limit with full entitlement, and KHC programs have a $544,232 maximum purchase price as of June 2025. House payment should not be more than 45 to 50% of your gross income, lower on bad credit files and no money down programs in Kentucky

Can I combine multiple Kentucky home buyer programs?

Yes! Many programs can be combined. For example, you can use KHC down payment assistance with an FHA loan, or combine seller concessions with various loan programs to minimize your out-of-pocket costs.

How long does it take to close on a home in Kentucky?

Average closing times are 30 days for FHA and conventional loans, 25-30 days for VA loans, and 35-45 days for USDA loans. KHC programs may add a few extra days for down payment assistance processing.

Kentucky Home Loan Payment Calculator

Estimate Your Monthly Payment

*Estimates only. Actual payments may vary. Not a commitment to lend. Equal Housing Lender.
EVO Mortgage NMLS #1738461 • Joel Lobb NMLS #57916

Ready to Start Your Kentucky Home Buying Journey?

Get your free pre-qualification in 24 hours and discover which Kentucky first-time buyer programs you qualify for. No hard credit check required.

Joel Lobb - Senior Loan Officer
EVO Mortgage • NMLS #1738461 • Personal NMLS #57916
Equal Housing Lender • Licensed in Kentucky

Kentucky First-Time Home Buyer Programs by Region

Louisville Metro Area First-Time Buyers

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How to Qualify for a Kentucky FHA, VA, USDA and Conventional Home Loan




How to qualify for a mortgage

The type of mortgage you’re applying for determines the minimum requirements you’ll have to meet for your down payment, credit score, and debt-to-income ratio.

Find out what type of loan you might qualify for or what aspects of your finances you’ll need to improve to get a better shot at qualifying for a mortgage.

Loan TypeMin. Down PaymentMin. Credit ScoreMax DTIProperty Type
Conventional3%62045%Primary, secondary, investment
VA0%nonenonePrimary
FHA3.5%50050%Primary
USDA0%none41%Primary

Keep in mind: The minimum down payment, minimum credit score, and maximum DTI shown in the table apply to mortgages used to purchase a primary residence. While you can use a conventional loan or a jumbo loan to purchase a home for another purpose, you might need a larger down payment, a higher credit score, more cash reserves, or all three.

Credit score needed to buy a house

Mortgage lending is risky, and lenders want a way to quantify that risk. They use your three-digit credit score to gauge the risk of loaning you money since your credit score helps predict your likelihood of paying back a loan on time. Lenders also consider other data, such as your income, employment, debts and assets to decide whether to offer you a loan.

Different lenders and loan types have different borrower requirements, loan terms and minimum credit scores. Here are the requirements for some of the most common types of mortgages.

Conventional loan

Minimum credit score: 620

A conventional loan is a mortgage that isn’t backed by a federal agency. Most mortgage lenders offer conventional loans, and many lenders sell these loans to Fannie Mae or Freddie Mac — two government-sponsored enterprises. Conventional loans can have either fixed or adjustable rates, and terms ranging from 10 to 30 years.

You can get a conventional loan with a down payment as low as 3% of the home’s purchase price, so this type of loan makes sense if you don’t have enough for a traditional down payment. However, if your down payment is less than 20%, you’re required to pay for private mortgage insurance (PMI), which is an insurance policy designed to protect the lender if you stop making payments. You can ask your servicer to cancel PMI once the principal balance of your mortgage falls below 80% of the original value of your home.

FHA loan

Minimum credit score (10% down): 500

Minimum credit score (3.5% down): 580

FHA loans are backed by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD). The FHA incentivizes lenders to make mortgage loans available to borrowers who might not otherwise qualify by guaranteeing the federal government will repay the mortgage if the borrower stops making payments. This makes an FHA loan a good option if you have a lower credit score.

FHA loans come in 15- or 30-year terms with fixed interest rates. Unlike conventional mortgages, which only require PMI for borrowers with less than 20% down, all FHA borrowers must pay an up-front mortgage insurance premium (MIP) and an annual MIP, as long as the loan is outstanding.

VA loan

Minimum credit score: N/A

VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). The VA guarantees loans made by VA-approved lenders to qualifying veterans or service members of the U.S. armed forces, or their spouses. This type of loan is a great option for veterans and their spouses, especially if they don’t have the best credit and don’t have enough for a down payment.

VA loans are fixed-rate mortgages with 10-, 15-, 20- or 30-year terms.

Most VA loans don’t require a down payment or monthly mortgage insurance premiums. However, they do require a one-time VA funding fee, that ranges from 1.4% to 3.6% of the loan amount.

USDA loan

Minimum credit score: N/A

The U.S. Department of Agriculture guarantees loans for borrowers interested in buying homes in certain rural areas. USDA loans don’t require a minimum down payment, but you have to meet the USDA’s income eligibility limits, which vary by location.

All USDA mortgages have fixed interest rates and 30-year repayment terms.

USDA-approved lenders must pay an up-front guarantee fee of up to 3.5% of the purchase price to the USDA. That fee can be passed on to borrowers and financed into the home loan. If the home you want to buy is within an eligible rural area (defined by the USDA) and you meet the other requirements, this could be a great loan option for you.

What else do mortgage lenders consider?

Your credit score isn’t the only factor lenders consider when reviewing your loan application. Here are some of the other factors lenders use when deciding whether to give you a mortgage.

  • Debt-to-income ratio — Your debt-to-income (DTI) ratio is the amount of debt payments you make each month (including your mortgage payments) relative to your gross monthly income. For example, if your mortgage payments, car loan and credit card payments add up to $1,800 per month and you have a $6,000 monthly income, your debt-to-income ratio would be $1,800/$6,000, or 30%. Most conventional mortgages require a DTI ratio no greater than 36%. However, you may be approved with a DTI up to 45% if you meet other requirements.
  • Employment history — When you apply for a mortgage, lenders will ask for proof of employment — typically two years’ worth of W-2s and tax returns, as well as your two most recent pay stubs. Lenders prefer to work with people who have stable employment and consistent income.
  • Down payment — Putting money down to buy a home gives you immediate equity in the home and helps to ensure the lender recoups their loss if you stop making payments and they need to foreclose on the home. Most loans — other than VA and USDA loans — require a down payment of at least 3%, although a higher down payment could help you qualify for a lower interest rate or make up for other less-than-ideal aspects of your mortgage application.
  • The home’s value and condition — Lenders want to ensure the home collateralizing the loan is in good condition and worth what you’re paying for it. Typically, they’ll require an appraisal to determine the home’s value and may also require a home inspection to ensure there aren’t any unknown issues with the property.

How is your credit score calculated?

Most talk of credit scores makes it sound as if you have only one score. In fact, you have several credit scores, and they may be used by different lenders and for different purposes.

The three national credit bureaus — Experian, Equifax and TransUnion — collect information from banks, credit unions, lenders and public records to formulate your credit score. The most common and well-known scoring model is the FICO Score, which is based on the following five factors:

  • Payment history (35%) — A history of late payments will drag your score down, as will negative information from bankruptcies, foreclosures, repossessions or accounts referred to collections.
  • How much you owe (30%) — Your credit utilization ratio is the amount of revolving credit you’re using compared to your total available credit. For example, if you have one credit card with a $2,000 balance and a $4,000 credit limit, your credit utilization ratio is 50%. Credit scoring models view using a larger percentage of your available credit as risky behavior, so high balances and maxed-out credit cards will negatively impact your score.
  • Length of credit history (15%) — This factor considers the age of your oldest account, newest account and the average age of all your credit accounts. In general, the longer you’ve been using credit responsibly, the higher your score will be.
  • Types of accounts (10%) — Credit scoring models favor people who use a mix of credit cards, installment loans, mortgages and other types of credit.
  • Recent credit history (10%) — Lenders view applying for and opening several new credit accounts within a short period as a sign of financial trouble and it’ll negatively impact your score.

Ready to shop around for a mortgage?







Joel Lobb
Mortgage Loan Officer
Individual NMLS ID #57916


American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364



Text/call: 502-905-3708

email: kentuckyloan@gmail.com

https://kentuckyloan.blogspot.com/

How to qualify for a mortgage The type of mortgage you’re applying for determines the minimum requirements you’ll have to meet for your down payment, credit score, and debt-to-income ratio. Find out what type of loan you might qualify for or what aspects of your finances you’ll need to improve to get a better shot at qualifying for a mortgage. Loan Type Min. Down Payment Min. Credit Score Max DTI Property Type Conventional 3% 620 45% Primary, secondary, investment VA 0% none none Primary FHA 3.5% 500 50% Primary USDA 0% none 41% Primary Keep in mind: The minimum down payment, minimum credit score, and maximum DTI shown in the table apply to mortgages used to purchase a primary residence. While you can use a conventional loan or a jumbo loan to purchase a home for another purpose, you might need a larger down payment, a higher credit score, more cash reserves, or all three. Credit score needed to buy a house Mortgage lending is risky, and lenders want a way to quantify that risk. They use your three-digit credit score to gauge the risk of loaning you money since your credit score helps predict your likelihood of paying back a loan on time. Lenders also consider other data, such as your income, employment, debts and assets to decide whether to offer you a loan. Different lenders and loan types have different borrower requirements, loan terms and minimum credit scores. Here are the requirements for some of the most common types of mortgages. Conventional loan Minimum credit score: 620 A conventional loan is a mortgage that isn’t backed by a federal agency. Most mortgage lenders offer conventional loans, and many lenders sell these loans to Fannie Mae or Freddie Mac — two government-sponsored enterprises. Conventional loans can have either fixed or adjustable rates, and terms ranging from 10 to 30 years. You can get a conventional loan with a down payment as low as 3% of the home’s purchase price, so this type of loan makes sense if you don’t have enough for a traditional down payment. However, if your down payment is less than 20%, you’re required to pay for private mortgage insurance (PMI), which is an insurance policy designed to protect the lender if you stop making payments. You can ask your servicer to cancel PMI once the principal balance of your mortgage falls below 80% of the original value of your home. FHA loan Minimum credit score (10% down): 500 Minimum credit score (3.5% down): 580 FHA loans are backed by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD). The FHA incentivizes lenders to make mortgage loans available to borrowers who might not otherwise qualify by guaranteeing the federal government will repay the mortgage if the borrower stops making payments. This makes an FHA loan a good option if you have a lower credit score. FHA loans come in 15- or 30-year terms with fixed interest rates. Unlike conventional mortgages, which only require PMI for borrowers with less than 20% down, all FHA borrowers must pay an up-front mortgage insurance premium (MIP) and an annual MIP, as long as the loan is outstanding. VA loan Minimum credit score: N/A VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). The VA guarantees loans made by VA-approved lenders to qualifying veterans or service members of the U.S. armed forces, or their spouses. This type of loan is a great option for veterans and their spouses, especially if they don’t have the best credit and don’t have enough for a down payment. VA loans are fixed-rate mortgages with 10-, 15-, 20- or 30-year terms. Most VA loans don’t require a down payment or monthly mortgage insurance premiums. However, they do require a one-time VA funding fee, that ranges from 1.4% to 3.6% of the loan amount. USDA loan Minimum credit score: N/A The U.S. Department of Agriculture guarantees loans for borrowers interested in buying homes in certain rural areas. USDA loans don’t require a minimum down payment, but you have to meet the USDA’s income eligibility limits, which vary by location. All USDA mortgages have fixed interest rates and 30-year repayment terms. USDA-approved lenders must pay an up-front guarantee fee of up to 3.5% of the purchase price to the USDA. That fee can be passed on to borrowers and financed into the home loan. If the home you want to buy is within an eligible rural area (defined by the USDA) and you meet the other requirements, this could be a great loan option for you. What else do mortgage lenders consider? Your credit score isn’t the only factor lenders consider when reviewing your loan application. Here are some of the other factors lenders use when deciding whether to give you a mortgage. Debt-to-income ratio — Your debt-to-income (DTI) ratio is the amount of debt payments you make each month (including your mortgage payments) relative to your gross monthly income. For example, if your mortgage payments, car loan and credit card payments add up to $1,800 per month and you have a $6,000 monthly income, your debt-to-income ratio would be $1,800/$6,000, or 30%. Most conventional mortgages require a DTI ratio no greater than 36%. However, you may be approved with a DTI up to 45% if you meet other requirements. Employment history — When you apply for a mortgage, lenders will ask for proof of employment — typically two years’ worth of W-2s and tax returns, as well as your two most recent pay stubs. Lenders prefer to work with people who have stable employment and consistent income. Down payment — Putting money down to buy a home gives you immediate equity in the home and helps to ensure the lender recoups their loss if you stop making payments and they need to foreclose on the home. Most loans — other than VA and USDA loans — require a down payment of at least 3%, although a higher down payment could help you qualify for a lower interest rate or make up for other less-than-ideal aspects of your mortgage application. The home’s value and condition — Lenders want to ensure the home collateralizing the loan is in good condition and worth what you’re paying for it. Typically, they’ll require an appraisal to determine the home’s value and may also require a home inspection to ensure there aren’t any unknown issues with the property. How is your credit score calculated? Most talk of credit scores makes it sound as if you have only one score. In fact, you have several credit scores, and they may be used by different lenders and for different purposes. The three national credit bureaus — Experian, Equifax and TransUnion — collect information from banks, credit unions, lenders and public records to formulate your credit score. The most common and well-known scoring model is the FICO Score, which is based on the following five factors: Payment history (35%) — A history of late payments will drag your score down, as will negative information from bankruptcies, foreclosures, repossessions or accounts referred to collections. How much you owe (30%) — Your credit utilization ratio is the amount of revolving credit you’re using compared to your total available credit. For example, if you have one credit card with a $2,000 balance and a $4,000 credit limit, your credit utilization ratio is 50%. Credit scoring models view using a larger percentage of your available credit as risky behavior, so high balances and maxed-out credit cards will negatively impact your score. Length of credit history (15%) — This factor considers the age of your oldest account, newest account and the average age of all your credit accounts. In general, the longer you’ve been using credit responsibly, the higher your score will be. Types of accounts (10%) — Credit scoring models favor people who use a mix of credit cards, installment loans, mortgages and other types of credit. Recent credit history (10%) — Lenders view applying for and opening several new credit accounts within a short period as a sign of financial trouble and it’ll negatively impact your score. Ready to shop around for a mortgage? Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 email: kentuckyloan@gmail.com https://kentuckyloan.blogspot.com/ Email This BlogThis! Share to Twitter Share to Facebook Share to Pinterest Labels: credit, Credit Score, Debt to Income Ratio, FHA Guidelines, FHA Kentucky Home Loans, Fico Score, Kentucky VA Loans, USDA loans Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process. I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

 
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