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we are home loan specialists in: Arizona, Colorado, Florida, Idaho, Texas, Utah & Wyoming.

If you are looking to purchase a house, there are many loan options:

  • Down payments can be as little as $500 down for those that qualify for certain programs. Restrictions apply.
  • Down payments can be as little as 3% on conventional loans.

The key question is not how much do you qualify for, but rather:

  • How much do you want your monthly payments to be based on your budget?
  • Once you know this based on your down payment and your credit rating, we can help determine what size of a mortgage you qualify for so you can then know the purchase price to go shopping for a home.
We can help you with all different types of loan programs with purchasing a home. There are conventional loans, FHA loans, USDA loans (no down payment & 100% financing), VA loans, (no down payment & 100% financing), Utah Housing Loan (no down payment & 100% financing), Reverse mortgage loan (for seniors 62 & older), Jumbo loans (greater than 424,100, Non-QM LOans (non-conventional loans, include: Bank statement loans & dinged credit loans).