Putting Heroes into Homes
From VA to USDA — the right loan is the one that gets you home. Here's how each one works.
VA Loans
My SpecialtyMy specialty — earned by service.
If you've served, you've earned one of the most powerful loan programs in America. I walk you through eligibility, your Certificate of Eligibility, and pair you with a lender who says yes when others say no.
- $0 down payment for qualified veterans
- No minimum credit score with my flexible lender
- No private mortgage insurance (PMI)
- Competitive, capped interest rates
FHA Loans
Scores as Low as 500!Buy with a credit score as low as 500.
FHA is one of the most forgiving loans in America — with my flexible lender, buyers with credit scores as low as 500 can qualify. It's a powerful first step into homeownership while you rebuild.
- Credit scores as low as 500 accepted*
- As little as 3.5% down (580+)
- Flexible, forgiving credit guidelines
- Gift funds allowed for down payment
Conventional Loans
Classic financing with room to grow.
The most common loan in America. If your credit is strong, conventional financing offers flexibility and long-term savings.
- Down payments from 3%–20%
- No upfront funding fee
- PMI drops off at 20% equity
- Ideal for strong credit profiles
USDA Loans
Country living, zero down.
Much of the Texas Corridor qualifies for USDA financing — a beautiful way to buy with no money down outside city limits.
- $0 down in eligible rural areas
- Low mortgage insurance
- Great rates for the Hill Country
- Income-based eligibility
Sharon Campbell
Senior Loan Officer · Veteran Mortgage One
Sharon is my go-to lending partner and the reason I can say "yes" so often. She specializes in VA loans and works with genuinely flexible guidelines — including no minimum credit score on many VA loans.
Start a fast, secure online application. Your progress is saved to your referral from Kristy.
VA Loan Calculator
Home Loan Calculator
= 0.0% down
Est. Monthly Payment · VA
Estimates only — actual rates & fees vary. Let's get you a real quote from my flexible lender.
Not sure which loan fits you?
That's exactly what I'm here for. Let's talk through your situation and I'll connect you with my flexible lender for a no-pressure review.