Mortgage Pre-Qualification

Find out how much you can borrow by contacting a seasoned professional Sr. loan officer. Here is the contact information for my Lending Partner:

Want to create your Individual Action Plan?  Apply Here.


Would you like to learn more about the Home Buying process?  Please view our RECORDED Home Buyer Webinar which will answer many questions for you.

View RECORDED Webinar.


Ask Karen Jones about the following types of financing!

FHA — Mortgage is made by lenders in the private sector (known as FHA-approved lenders) and is insured through the Federal Housing Administration. If the borrower defaults on the loan, the lender gets paid by the FHA. Low down payment. Mortgage insurance required.

  • FHA Home in 5 – Down payment assistance program
  • FHA Home Plus – Down payment assistance program
  • AFI – Amerifirst in house down payment assistance program

VA — This is reserved for military service members and their families. It can be used to finance 100 percent of a home purchase, which eliminates the need for a down payment. This program is managed by the Department of Veteran Affairs. If you’re a military member, you should have a VA specialist somewhere within your command.

Conventional –Mortgage that is not guaranteed or insured by any government agency. Usually higher down payments. Need excellent credit to qualify. No mortgage insurance required if 20% is put down.

U.S. Department of Agriculture (USDA)– Mortgage offered in rural areas to help lower-income households.

  • No money down and no money down
  • Gifts and/or grants are allowed for closing costs