USDA Loan When “Home” Is Outside the City Limits


        USDA loans are government insured loans for purchasing rural property outside of major metropolitan areas. USDA loans are serviced by direct lenders that meet federal guidelines. USDA loans offer unique benefits, including no down payment requirements for buyers. Not Just for Farmland If you live outside of a major metropolitan area, […]

VA Loans – A Superior Program to Recognize Our Heroes


A VA loan is insured by the U.S. Department of Veterans Affairs and issued by VA approved lenders. This government guaranteed loan encourages these approved lenders to lend with more flexible and lenient qualifying guidelines. VA loans offer unmatched benefits to our heroes; the veterans, active duty, and surviving spouses. 100% Financing available* No mortgage […]

What Credit Score is Needed to Buy a House

One of the most important factors which determines your home loan qualifications and rate is your credit score. If you are at the beginning of the home buying process, it’s important to understand how your credit score can impact your ability to get a mortgage loan, as well as the interest rates you may be […]

How Your Credit Score is Calculated

Credit Score

You’ve heard about credit scores and know that they are considered important, but why should you care about your credit score? Your credit score is looked at for multiple reasons – sometimes by employers, landlords, your bank, but also anytime you apply for a loan, including a home loan. Understanding credit scores and how they’re […]

How Does the New Tax Bill Impact Homeowners and Home Buyers?

Steve Herndon homeowner tax bill

The Tax Cuts and Jobs Act was signed into law in December, 2017. This new bill amends the Internal Revenue Code to reduce tax rates and modify policies, credits, and deductions for individuals as well as businesses. Some of the changes have already taken place and will continue through 2018. As a homeowner or home buyer, here is […]