Kathy
StatesWeServe
HomesforHeroes
LoanTypes Conventional
MaxLoanAmount2025:$806,500 (upto$1,209,750inhigh-costareas)
DownPayment:Aslowas3%or5%
HomeStyle:min.5%Down(Rehab)
PropertyAppraisalLessRestrictive
SellerPaidClosingCostsAllowed
StickBuilt,Log,Shop/Home,or
Manufactured -OAC
620CreditScore-OAC
AllInOneConstructionLoan availableforstickbuilt,shop-home, ormanufacturedhomes
Investment
Jumbo,Self-Employment, Bank Statement,&Airbnb's
DSCR-20%DP-C/OAllowed
HELOC1stPosition-HomeSelect
HardMoney-Fix-n-Flip, Construction(Investor&SelfBuild),BridgeLoans,&More...
FHA
·2025MaxLoanAmount:$524,225(upto $1,209,750inhigh-costareas)
DownPayment:Aslowas3.5%
Seller-paidclosingcostsallowed
Manufacturedallowed(OAC)
LandHomePackage(OAC)
203KRehabloansAvailable
AllInOneConstructionLoanavailableforstick built, shop-home,ormanufacturedhomes
Mortgageinsurancerequired
580Minimumcreditscore(onapprovedcredit)
WeOffer USDA
ØDown—100%Program
SellerPaidClosingCosts
Allowed
GeographicalAreaLimitsApply
IncomeLimitsApply
MortgageInsuranceRequired
StickBuilt,Log,Shop/Home,or NewManufactured
600CreditScoreonApproved Credit
AllInOneConstructionLoan availableforstickbuilt,shophome,ormanufacturedhomes
VA
NoMaxLoanLimit—Basedon Veteran’sCertificateofEligibility
ZeroDown—100%LoanProgram
Seller-paidclosingcostsallowed
SellermaypayVeteran’sdebtin ordertoqualify–NottoExceed4%
SellerPaidClosingCosts
600minimumcreditscore(OAC)
Manufacturedhomesallowed (OAC)
AllInOneConstructionLoan availableforstickbuilt, shophome,ormanufacturedhomes
First-TimeBuyer?
Contingentofferallows youtomovein,usingyour equityasyourDownPmt Sell&UseEquitytoBuy withReverseMtgLoan Qualifywithboth MortgageDebts,Then Decideto: ListYourHome RentYourHome EvenAirbnb YourHome!
ReverseMortgage
Professional&StrategicAdvisors
MeetYourDedicatedExperts
Courtney SeniorLoanPartner/OpsManager
Kathy BranchManager/MLOAdvisor Workshop/SeminarEducator
Melissa Marketing/TechnologyDirector
OurCommitmenttoYou
MissionStatement:
Weassist,educate,andadvocateforallpeoplewilling,ready,andfinanciallyable tohavetheirdreamofhomeownership.Weaspiretomeetthemortgageneedsof ourclientsandtheirfamiliesduringthisexcitingandevolvingtimeintheirlives.We achievethiswiththeutmostgrace,integrity,excellentcustomerservice,and professionalismonecanoffer.
VisionStatement:
Weasateamwillmoveforwardthroughouttheyearsinspiringotherstojoininour missionofprovidingqualityoutcomestoourclients'dreamofhomeownership.We willteachandmodelintheyearstocomeinorderforallpeopletounderstand howtheycanachievehomeownership.
