Welcome to a Better mortgage experience

We use modern tools
and our unique lending expertise
to find you the best mortgage solutions
with the lowest rates and fees.

Explore all the loans we provide

Conventional Loan

A great option for buyers who have demonstrated financial responsibility, have money or access to money for a down payment, and are either buying their first home or their 10th. Typically loan amounts of $484,350 or less, 5% minimum down payment, and 680 or higher credit. We offer a variety of mortgage insurance options for down payments less than 20%. Available for primary, secondary, or investment homes.

*We do offer 3% down payments, subject to maximum income limits* 

FHA Loan

FHA = Federal Housing Administration and is governed by HUD or the U.S.
Department of Housing and Urban Development. It was created to offer an alternative to conventional financing.

It has lower loan limits, but does provide great benefits for those with lower credit scores, higher debt-to-income ratios, large “credit events” (think bankruptcy / foreclosure / repo), and those wanting to put down a lower down payment. 

Credit scores down to 620. We will evaluate down to 600 on a case-by-case basis.

Down payments as low as 3.5% of the purchase price.

2 year waiting period from Bankruptcy / 3 years from Foreclosure deed date.

Debt-to-income ratios up to 50% or higher in some cases.

Jumbo Loan

These are typically for your primary or secondary residence (think beach home for secondary home) and are for loan amounts higher than conventional loan limits. We go up to $3M on a variety of property types - single-family, condo, planned unit developments, etc. Need to have great credit & substantial assets.

We offer financing starting at 90% loan-to-value.

VA Loan

First off - thank you for your service to our great Country! This loan is for eligible Veterans and active Service men & women. It provides 100% financing without mortgage insurance, has very flexible credit terms, and very low rates.

We love taking care of our veterans and this is a great loan to take advantage of if you qualify. 

Renovation Loan

You can use this either to purchase a fixer-upper or to refinance your existing home to bring it up to date or to add the square footage that you’ve been talking about for years. These do require a licensed & bonded General Contractor to quote and perform the work. We offer both the FHA 203k & Conventional renovation loans. Talk with us about the differences and your specific project & needs and we will point you in the right direction. 

Construction Loan

When you want to build a custom home to live in either on land you already own or land that you are planning on purchasing, and your builder won’t finance the build for you, this can be a great option. We approve both you and your builder simultaneously, and you only have to close on your loan ONCE - only pay closing costs once, rather than having to refinance your construction loan into permanent financing. These require 10% or more down and a credit score of 720 or higher. What’s really great is that you only pay interest on the outstanding balance of the construction draws while the home is being built.

Once it’s finished the loan automatically transitions into your permanent payment of principal & interest. 

USDA Loan

This loan provides 100% financing for properties in eligible “rural” areas. USDA has tightened it’s credit requirements in recent years, and generally wants scores of 660 or better as well as lower debt-to-income ratios than even conventional financing.

It’s a great option for those that qualify, but can be a very document heavy loan. In order to qualify, your total family income has to be below a certain figure (for example - a family of 4 in AL needs to make less than $86,850 combined).

Don’t worry though, we do a lot of these and know our guidelines, and will let you know if you can go this route!

Not sure where to start?

Not sure
where to start?

No worries - we have you covered - call one of our licensed loan officers to get the answers you need.

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