Kerry Patton
Mortgage Loan Originator
About
Kerry is a seasoned mortgage professional with 20+ years in the industry. He has complete knowledge of mortgage financing including all conforming, jumbo, and non-conforming loan products as well as all government programs including FHA, VA and USDA products, Purchase and Refinance. For me as a loan professional it’s about the relationship not just the transaction.
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
USDA
Designed for properties located in rural areas, the USDA loan program provides up to 100% financing (0% down).