Home Financing

Yes!  We make it easy to get pre-qualified, click here to submit online.

Absolutely! We’re ITIN-friendly and even have loan options tailor-made just for those with ITIN numbers. Drop us a line, and we’ll spill the details.

Worried about that pesky credit score? Don’t be! We’ve helped folks with all sorts of scores. Plus, credit is just one factor; we’ve got programs and over a dozen lenders to help you on your homeownership journey.

If you’ve got land, use it! You can leverage that valuable real estate for your down payment. Just make sure it appraises high enough to meet the bank’s threshold, and you’re golden.

Yes, when buying a home from us, we normally require a minimum 5 – 10% down payment, unless you have a trade-in (or) own land and wish to do land-in-lieu of a down payment. Many customers choose this option since it helps finance their initial down payment by using their land as collateral.

With over four national lenders to choose from, you have multiple home financing options that include loan terms with 5, 10, 15, 20, or 30-year notes. You tell our home specialist what you want to spend each month and we can help you find the right loan situation for your family.

When you are applying for home financing with our lenders, it helps to bring these items to make the application process a smooth one.

• Drivers License (or) itin card
• Last Paycheck Stub
• Prior 3 years of Tax Returns
• Current & Previous Employer Address / Phone info

Chattel loans are like the wild west of home financing: no land needed! If you’re just financing the home (not the land), this might be your best option. They tend to have slightly higher interest rates but less up-front costs. Oh, and no PMI required!

Oh yes! Government-backed loans are fantastic for lower down payments (sometimes even $0). But be warned: there are more hoops to jump through, and approvals might take a bit longer.