Our Licensed States and Loan Products

Our team will work closely with you to determine what loan product will work best for your personal situation, and your unique financial goals. We are licensed in all states shown above in red. Browse our products below, and contact us to discuss your options.

A fixed rate mortgage will keep your monthly principal and interest payments the same. You can choose a 10, 15, 20, 25, or 30 year term.

Some people choose to use an ARM loan if they do not intend to stay in the property for a long period of time. ARM loans have a lower fixed rate for the first X amount of years chosen, and then adjust annually thereafter. For example, if someone chose a 5/1 ARM loan product the interest rate would be fixed for the first five years and would then adjust annually for the rest of the term.

Jumbo loans are available to those whose loan amount exceeds $417,000 and up to $3 million. A Jumbo loan can be a fixed rate or an ARM mortgage.

Down payment assistance, available in many states, helps homeowners purchase a home with as little as 0% down. Please visit our Down Payment Assistance page for full details, or feel free to give us a call.

*Payments are based on a minimum down payment per program requirements/ Annual Percentage Rate varies per program / 30 Year Fixed Rate

Conventional loans allow down payments as low as 3% and allow gift funds.

FHA loans allow down payments as low as 3.5% and allow gift funds. FHA offers the shortest waiting period for foreclosure, bankruptcy, and short sale.

VA loans are for military personnel that offer 100% financing, little to no money down and no monthly mortgage insurance. If you have questions about your eligibility feel free to give us a call or visit the VA website.

The Government backed USDA Rural Housing Loan allows for 100% financing along with more flexible credit requirements.  With a goal of helping low to moderate income families obtain home ownership, the USDA loan is has several benefits worth asking your loan professional about. This loan is available in limited geographic areas, and has specific qualification requirements.

Looking for a home that may require a little work?  The FHA 203(k) Home Renovation Loan could be exactly the answer you are looking for…

By building green, you’re doing your part to preserve the Earth for future generations. We’d like to do our part too. This exclusive new loan program rewards you for building green by saving you green. Homebuyers purchasing a home with a Green Value Score of 75 or less benefit from cost savings. Reduced interest rate, reduced fees, reduced monthly mortgage insurance, and can receive up to 3% in gift funds for down payment.

Learn more at the Green Value Mortgage website here.

Contact the TK Team Today

To learn more about the different loan products available, or to get started on your loan application, call us at 480-344-1951.