Conventional Loans - These loans can be used to facilitate a purchase or refinance transaction, with as little as 3% in down payment or equity. Down payment or closing cost assistance can be used in conjunction with a conventional loan, in most cases. We also have access to secondary financing up to 95% of your homes value, to allow for the avoidance of mortgage insurance. We offer terms from 5-30 years for the purchase or refinance of your home. Credit qualification for conventional loans can vary greatly. Minimum credit score is 620.
Regulated by: the Division of Real Estate (CO) ∙ the State of Nebraska Department of Banking and Finance (NE) ∙ the Arizona Department of Financial Institutions (AZ) AZ# 0923361 ∙ the Office of the State Bank Commissioner (KS) Kansas Licensed Mortgage Company License No. MC0025226 ∙ the Wyoming Division of Banking (WY) WY# 2277. In Texas we are licensed and operate as 1st FFS, Inc. TX License #1230161. We do business in accordance with the Fair Housing Law and Equal Credit Opportunity Act. – NMLS# 109995