Primary Purchase Loans

Your Dream Home Starts Here — 0% to 20% Down Options Available

Down Payment As Low As 0%

Credit Score 580+

Loan Types FHA, VA, Conv.

Lenders WE SHOP, YOU SAVE!

Whether you're a first-time homebuyer or upgrading to your forever home, we have the right loan program for you. From government-backed FHA and VA loans to conventional financing, we match you with the best option for your situation.

With access to 70+ lenders, we shop your loan to find unbeatable rates — saving you thousands over the life of your mortgage.

Key Highlights:

  • Down payments as low as 0% (VA) or 3.5% (FHA)
  • Credit scores starting at 580
  • First-time homebuyer programs available
  •  FHA, VA, Conventional, and USDA options
  • Self-employed & bank statement programs
  • Manual underwriting for unique situations


Why Choose Us for Your Home Purchase?

We make buying your home simple, affordable, and stress-free with expert guidance every step of the way.

A Family Team You Can Trust

We're a father and son team with over 25 years of combined experience in the lending industry. We treat every client like family — because that's exactly what we are.

Available Monday through Sunday — we work around your schedule so you never miss an opportunity.

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Every Loan Type Under One Roof

FHA loans with as little as 3.5% down. VA loans with 0% down for eligible veterans. Conventional loans with competitive rates. USDA loans for rural properties. Bank statement programs for self-employed borrowers. Manual underwriting for those who don't fit the traditional mold. Whatever your situation, we have a solution — and we'll shop 70+ lenders to get you the best rate.

We Shop, You SAVE!

Access an unmatched network of over 75+ trusted lenders — all with a single application. We compare programs, rates, and terms across our entire network to get you the best deal on your home purchase.

Frequently Asked Questions

Committed to giving you all the support and guidance you need.

It depends on the loan type. FHA loans accept credit scores as low as 580 with 3.5% down. Conventional loans typically require 620+. VA loans have no minimum set by the VA, though lenders may have overlays. We also offer manual underwriting for borrowers with non-traditional credit histories.

Down payments range from 0% to 20% depending on the program. VA and USDA loans offer 0% down. FHA requires just 3.5%. Conventional loans can go as low as 3% for first-time buyers. We'll help you find the program that minimizes your upfront costs.

Absolutely! We specialize in self-employed borrowers. We offer bank statement loans (12 or 24 months), asset-based lending, and other non-QM programs designed for entrepreneurs, freelancers, and business owners who may not have traditional W-2 income.

FHA loans are government-backed with lower credit score requirements (580+) and 3.5% down but require mortgage insurance. Conventional loans typically need 620+ credit and 3-20% down, with the option to remove mortgage insurance once you reach 20% equity. We'll compare both to find what saves you the most.

We submit your loan scenario to our network of over 70 lenders simultaneously. Each lender provides their best rate and terms, allowing us to compare and present you with the most competitive options. One application, multiple offers — that's the broker advantage.

Typically, 30-45 days from contract to closing, depending on the loan type and complexity. Getting pre-approved before you start shopping can speed things up significantly. We'll guide you through every step so there are no surprises.

Contact Gem or Tanner

Ready to buy your dream home? Reach out for a free consultation & personalized quote.