Purchase Loans

  Congratulations!   You’re taking a step towards home ownership!   Obtaining the right financing for your new home and selecting your lender is as equally important as picking out your new home.  Maybe you’ve heard some scary stories about the mortgage industry and think it’s impossible to get a home loan. There couldn’t be anything further from the truth!  Getting a home loan is no problem as long as you have someone to guide you through the process.You want a lender who will help you navigate today’s mortgage market.  Jolynn is your loan officer to help you from start to finish.
Knowing the right loan for your personal financial situation is key to your financial success. Your financial situation is uniquely yours.  Your credit profile is uniquely yours.  You need a mortgage loan that fits your unique situation.   There are a wide variety of loan options available depending on your needs. While interest rates are a major factor, it’s also important to consider fees, down payment, mortgage insurance and loan term when choosing a loan.  Jolynn will give you options so you can decide which loan best suits your family’s financial needs.
When most people think of a loan, they are usually talking about a Conventional loan.  It’s best for borrowers with five percent down, credit scores above 620, and no bankruptcies.  Please find out more about conventional loans here.  
FHA loans are for borrowers who want to put less money down and maybe have some minor credit blemishes.   FHA loans typically have lower rates than other loans available.   Find out more about FHA loans here.
VA loans are the best loans available, but are only available for those who have served in the military.  When buying a home, VA loans offer no money down and no monthly mortgage insurance, saving a borrower thousands over the life of the loan.  Find out more about VA loans here.
   Are you a Native Americanwith a tribal citizenship card from a Federally recognized tribe?  Then there’s a great loan for you!  This loan offers a low 2.25 percent down with no monthly mortgage insurance.  Find out more about Native American loans here.
Are you looking to live in a smaller town?  The USDA Rural Development loanmay be the best solution for you.  It also requires no money down, but there are income restrictions and location restrictions.  Find out more about USDA loans here.
Regardless of your home dreams, Jolynn is here to help you make those dreams come true! Contact her here or fill out a loan application and get started today.  Moving into your dream home is just a click away!