Mortgage programs

Conventional Loans

Conventional loans are a popular choice for borrowers with solid credit and a stable income. These loans typically require a 20% down payment, but lower down payment options are available with Private Mortgage Insurance (PMI), Ideal for borrowers with good credit seeking long-term stability.

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"Great service, the communication was top-notch."
Margaret Curtis
Director at West​ Project
"From the moment I started my application to the day I closed on my home, the entire experience was seamless and stress-free."
Matthew Fox
CEO At Sky Tail Ltd.

FHA Loans

An FHA loan is a government-backed mortgage option designed for first-time homebuyers or those with lower credit scores. With as little as 3.5% down, it’s an excellent choice for individuals looking to secure a mortgage with more flexible qualification requirements.

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Ray Mabilin

  1. What is your favorite food? Burger & Pizza
  2. If you could have a superpower, what would it be and why? Jedi’s power from the Force. Because they focus on calmness and peace to channel their powers in the Force and I’m a peaceful person.
  3. Where was the best vacation you ever took and why? Every Beach Vacation simply because me and my family love the beach.
  4. What are your hobbies? Basketball, Camping outdoors, snorkeling, Movies, Wakeboarding and eating.

Jessica Avery

  1. What is your favorite food? Southern style home cooking
  2. If you could have a superpower, what would it be and why? Flying; so I could see the world anytime
  3. Where was the best vacation you ever took and why? Charleston, South Carolina, because of the beach and the relaxed vibes of the town
  4. What are your hobbies? Crafting, weekend yard sales, being with family

Kristy Carter

  1. What is your favorite food? Being from the south, I love a good “southern” meal that includes either collards or turnip greens. But, away from home, Mexican.
  2. If you could have a superpower, what would it be and why? The ability to heal. I hate to see anyone (human or animal) suffering.
  3. Where was the best vacation you ever took and why? Any vacation with my family. My family loves to travel and we have been to Mexico, Florida, Tennessee, the North Carolina mountains and beaches, Ohio, Virginia and Georgia.
  4. What are your hobbies? My family loves to travel and I love spending time with my friends, but my favorite thing to do is anything that involves my children. I have teenage twins. We are a soccer family. My son not only plays for the high school team, but he is part of an elite travel program who trains their players to eventually play on a collegiate and professional level. We get December and two weeks in the summer off from soccer games. Otherwise, we are at the soccer field every weekend

Bill Beck

  1. What is your favorite food? Cheese! Cheese & Crackers, Cheeseburgers, Mac & Cheese oh yea! Top 3 picks are Roquefort, Aged Cheddar and BellaVitano.
  2. If you could have a superpower, what would it be and why? Shapeshifting. Being able to turn into any animal based on need would be awesome. Go fly like an eagle for a day, or swim like a shark, or maybe go for a run as a cheetah
  3. Where was the best vacation you ever took and why? Thailand. Great food, great hospitality, amazing locations and so incredibly cheap for everything!
  4. What are your hobbies? Nutrition, fitness, & weightlifting. Fantasy football. I enjoy painting, drawing & sketching for fun. Finally, just like Henry Cavill, I’m a proud Warhammer nerd.

Lori Duran

  1. What is your favorite food? Favorite food is fresh Halibut
  2. If you could have a superpower, what would it be and why? My super power would be to be able to read people’s minds remotely. This way I could be of better service to others.
  3. Where was the best vacation you ever took and why? Hawaii has always been my favorite vacation location. I love the clear, clean water for snorkeling, I love the culture and the beauty of the islands.
  4. What are your hobbies? My hobbies revolve around family and especially my grandchildren.

Tiffany Boudreau

  1. What is your favorite food? Cubed steaks with gravy!
  2. If you could have a superpower, what would it be and why? Teleport (I hate traffic!)
  3. Where was the best vacation you ever took and why? Took a trip to Chicago in 2019 to watch the Cubs play at Wrigley Field! The experience was out of this world! I loved the big city, Chicago style pizza, and train rides to get through town. The BEST part was we WON the game!
  4. What are your hobbies? Watching Netflix and doing makeup!

Justin Harris

  1. What is your favorite food? Southern Cooking
  2. If you could have a superpower, what would it be and why? Super Strength – I have no patience in the gym.
  3. Where was the best vacation you ever took and why? Cruise- I have been on a couple cruises and they both rank very high, they are so easy.
  4. What are your hobbies? I enjoy being outdoors, DIY remodeling projects, Hiking, and traveling.

Jen Blake

  1. What is your favorite food? Taco Salad
  2. If you could have a superpower, what would it be and why? My superpower would be mind control. I think that would come in handy being a mother.
  3. Where was the best vacation you ever took and why? The best vacation I took was my first vacation I took with my family when my kids were 9 months and 2 years old. We went to Miramar Beach, and it was fun being able to see the beach for the first time through my kids eyes.
  4. What are your hobbies? Spending time with my family

Lloyd Moua

  1. What is your favorite food? Sushi
  2. If you could have a superpower, what would it be and why? To fly because I like superman
  3. Where was the best vacation you ever took and why? Portland Oregon because of scenery and trails for outdoors
  4. What are your hobbies? Enjoying reading self help books

Megan Winterberg

  1. What is your favorite food? Sandwiches
  2. If you could have a superpower, what would it be and why? Create joy and remove hate
  3. Where was the best vacation you ever took and why? Lake Tahoe, NV – Almost every summer our family goes here to camp, swim, hike, and enjoy the outdoors!
  4. What are your hobbies? Date nights with my husband, trying to keep up with my 5 and 2 year old, and hosting bbqs and theme parties for our friends and families

Kaitlin Thornberg

  1. What is your favorite food? Chicken pot pie, nothing tastes better on a cold winter day!
  2. If you could have a superpower, what would it be and why? I would like to have the superpower to fly. It would save me a lot of money in airline tickets.
  3. Where was the best vacation you ever took and why? I was fortunate enough to visit Dubai in the United Arab Emirates. Dubai is a melting pot of people from many different cultures. I enjoyed being able to experience and meet many people from around the world. I also enjoyed snowboarding in a mall, riding a camel, and the gold souk (souk is another word for market). Dubai is also known for their fresh spices including cinnamon, which makes some of the best apple pies.
  4. What are your hobbies? My hobbies include horseback riding, camping, snowboarding, and traveling.

Eric Napier

  1. What is your favorite food? This is tough! I am a foodie lol. I really love a good meal. I think my favorite would be steak and oysters in the end, so surf and turf. I also love a Thai dish called Khao Soi.
  2. If you could have a superpower, what would it be and why? I would love to be able to fly! Then I could go anywhere I wanted at any time.
  3. Where was the best vacation you ever took and why? My honeymoon to Antigua in summer of 2020. It looked like our trip to Jamaica was going to get cancelled as well as my wife’s passport not come in on time due to COVID. Miraculously we got the passport and also were rebooked to Antigua a week before the departure date! We were able to celebrate our honeymoon in paradise after having a wedding with our friends and family.
  4. What are your hobbies? I enjoy spending time with my wife Sarah and our dog, Lucy. We enjoy travelling, spending time with friends and family and outside activities like boating. I love sports and attending sporting events, particularly football and horse racing. I am a big fan of the Tennessee Volunteers for better or worse, lol.

Avery Carl

  1. What is your favorite food? Southern style home cooking
  2. If you could have a superpower, what would it be and why? Flying; so I could see the world anytime
  3. Where was the best vacation you ever took and why? Charleston, South Carolina, because of the beach and the relaxed vibes of the town
  4. What are your hobbies? Crafting, weekend yard sales, being with family

Brenna M. Carles

  1. What is your favorite food? Pizza! Is there any other answer?
  2. If you could have a superpower, what would it be and why? Animal Whisperer! Because I absolutely love animals and would love to know what they think and could help them with what they needed!
  3. Where was the best vacation you ever took and why? I would have to say the weeklong cruise my husband and I took, as we got to explore multiple different countries, cultures, and of course, food!
  4. What are your hobbies? Singing, trying different pizzas, exercise and fitness, and being at the beach as much as possible.