FHA, USDA & VA LOANS
- Popular for first-time homebuyers
- Low down payment options with more flexible credit and income guidelines
DOWN PAYMENT ASSISTANCE (DPA) LOANS
- Both state and municipal down payment assistance options
- Bond programs available
ITIN LOANS
- Great option for those without traditional documentation or credit history required for mortgages
- Purchase or refinance options available for owner occupied primary residences only
Your Community Mortgage Expert
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Resource Center
Financial insights, helpful tools and more.
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Debt-to-income Calculator
Your debt-to-income ratio is the percentage of your gross income used to cover your mortgage and other debt payments. This...
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Home Affordability
You are ready to make the jump from renting to buying a home. That is good news. Buying a...
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Calculate a Mortgage Payment
Repayment of a mortgage loan requires that the borrower make a monthly payment back to the lender. That monthly payment...
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Buying a Home from a Family Member
When you have a parent, sibling, or another family member who is planning to move, you may be able to...
FEATURED LOAN: Community Path Mortgage Loan
Our Community Path Mortgage Loan is great for borrowers looking to purchase a home in select neighborhoods in our communities.
- Borrow up to $500,000
- Terms up to 30 years
- Up to 100% financing and no Private Mortgage Insurance (PMI) with a minimum credit score of 620
Not a commitment to lend. Loans subject to credit approval. Speak with an Independent Financial loan originator for complete terms and conditions. Subject property must be located in low-to-moderate income or majority minority census tract within Independent Financial designated areas throughout Texas and Colorado.