Our Programs
Access to 100+ loan programs and 183+ wholesale investors — nearly every borrower has an option.
Government Loan
FHA
As low as 3.5% down
FHA loans are insured by the Federal Housing Administration and are ideal for buyers with lower credit scores or limited down payment funds.
Military Benefit
VA
$0 down — no monthly MI
VA loans are a benefit for active-duty service members, veterans, and eligible surviving spouses. No down payment and no private mortgage insurance required.
Rural Loan
USDA
Up to 100% LTV
USDA loans are guaranteed by the U.S. Department of Agriculture for properties in eligible rural and suburban areas. Zero down payment for qualifying borrowers.
Conforming Loan
Conventional
As low as 3% down
Conventional loans are not government-backed and offer flexible terms for buyers with good credit. PMI can be removed once you reach 20% equity.
High-Value Purchase
Jumbo
Loan amounts above $766,550
Jumbo loans exceed conforming loan limits and are designed for high-value home purchases. We offer competitive rates with access to multiple wholesale jumbo investors.
Existing Homeowner
Refi
Lower your rate or access equity
Whether you want to lower your monthly payment, shorten your term, or pull cash out of your equity, we have a refinance solution for you.
New to Homeownership
First-Time Buyer
Down payment assistance available
We specialize in helping first-time buyers navigate the mortgage process from start to close, including down payment assistance programs in OH, KY, IN, and TN.
Have more questions? Our loan officers are ready to help.
Call Us Now ↗Most pre-approvals are issued within 24 hours of submitting your application and documents. In many cases, we can provide same-day pre-approval letters for qualified borrowers.
It depends on the loan type. FHA loans accept scores as low as 580 with 3.5% down. Conventional loans typically require a 620+ score. VA and USDA loans have flexible guidelines. We work with borrowers across a wide range of credit profiles.
Down payment requirements vary: VA and USDA offer 0% down, FHA requires as little as 3.5%, conventional loans start at 3%, and jumbo loans typically require 10–20%. Down payment assistance programs may be available in your area.
Typically: two years of W-2s and tax returns, 30 days of pay stubs, two to three months of bank statements, a government-issued ID, and information on any outstanding debts. Self-employed borrowers may need additional documentation.
The typical loan process takes 30–45 days from application to close. With full documentation submitted upfront and a smooth appraisal, we can often close in as little as 21 days.
Yes — I am licensed in Ohio, Kentucky and Indiana. Reach out to confirm availability for your property.
Access to multiple loan programs, competitive rates, and guidance from application to closing.
Start My Free Pre-Approval ↗