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On the Water

LT Lending Team Helps You Choose The Right Loan To Purchase A Home.


You Can Get An FHA Home Loan With Good Or Bad Credit.

An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). Because FHA loans are insured by the government, banks are more willing to work with home buyers with lower credit scores and less of a down payment.

  • For Lower Credit Scores 

  • No Income Limits

  • Multiple Housing Options

  • Lower PMI Cost


If you have a credit score of at least 580, you can borrow up to 96.5% of the value of a home with an FHA loan. That means the required down payment is only 3.5%. If your credit score falls between 500 and 579, you can still get an FHA loan as long as you can make a 10% down payment. And with FHA loans, the down payment can come from you, a family member or a grant.

Get A "No Down Payment" VA Home Buying Loan.


There are a lot of benefits to obtaining a VA loan. 

  • No Down Payment

  • No Mortgage Insurance Payments 

  • Low Interest Rates

  • Limited Closing Costs

A VA loan allows active-duty service members, veterans and eligible surviving spouses to finance a home. These loans are backed by the US Department of Veterans Affairs (VA). They allow you to buy, build, repair, or retain a new home or even refinance an existing mortgage. The VA home loan guarantee is an agreement that VA will reimburse a lender in the event of loss due to foreclosure. This guarantee takes the place of your down payment. And with our quick processing time, we can close VA loans in less than 30 days, where others can take up to 45 days or more.

Conventional Loans With No Appraisal Needed. 


Conventional loans have many advantages. If you have a high credit score, a conventional loan can give you access to the best rates and the most flexible loan terms on the market. Especially if you can provide a larger down payment. Conventional loans also require less paperwork and therefor can be obtained more quickly. And if you are looking to purchase a higher end home, conventional loans allow you to access larger amounts of funding. Conventional loans are more affordable in the long run and can also be a smart investment for your future. 

  • Flexible Interest Rates Options

  • No Upfront Mortgage Insurance Fee

  • Lower Mortgage Insurance Payments 

  • As Little As 3% Down

Self Employed Are Qualifying For Loans More Often.

If you are self-employed, you can now apply for all of the same loans, that in the past, were only available to employees.


If you're self-employed and need a loan to buy a home, not to worry. We have multiple options for self-employed. Requirements are now the same for independent contractors and freelancers as they are for employees. Lenders will still look at credit history. tax returns and bank statements to qualify. As long as you meet loan guidelines and can document steady, reliable cash flow, being self-employed should not stop you from buying a home or refinancing. 

For More On Home Buying Loans, Contact Us Today.
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