Where We Lend
7 states, and the property decides — not where you live now. Each page below covers the limits, taxes and local rules that change what you actually qualify for, rather than the same page with the state name swapped.
California
Mello-Roos counted in the qualifying payment, and a conforming limit that changes between Los Angeles and Riverside.
OfficeArizona
Relocating from California? The loan that was jumbo there is often conforming here.
Loan officersTexas
Two veteran loan programs, not one — including a rate discount at a 30% service-connected disability rating.
LicensedFlorida
Insurance is part of your qualifying payment, and many condo projects are not financeable at all.
LicensedOklahoma
A large share of the state outside the metros is USDA-eligible — meaning no down payment.
LicensedAlabama
Heavy VA use, and USDA reaches further up the income scale than most buyers assume.
LicensedSouth Carolina
The coast and the interior are different financing markets. Which one you are in decides the conversation.
In process
Tennessee — licensing is in process. We cannot take an application there yet, and we will say so plainly rather than hold one. If you are buying there soon, talk to us about timing.
Verify any of this yourself
Every state license the company holds is listed on our licensing page, and all of it is searchable against the public record on NMLS Consumer Access under NMLS #246740. If anything here and the public record disagree, the public record is right and we want to hear about it.