Home Loans

Grant Programs

Now is the time to buy a home with no down payment using a Federal Grant. Time is running out. Apply for your Grant money today.

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Bad credit Mortgage Loans

 FICO score as low as 580 on FHA, VA and USDA Rural Housing.

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First Time Home Buyer Program

FICO Score as low as 580. Purchase a home with little or no down payment.

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FHA Loan

FICO Score as low as 580. This loan is much easier for you to qualify. We can go as high as a 55% Debt-to-Income ratio. Which, simply put, will increase the qualifying amount that you can put towards your new home.

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VA Loan

FICO Score as low as 580. We offer100% Financing for eligible borrowers with low mortgage rates. VA Home loans can be used to purchase or refinance your home. We can go as high as a 55% Debt-to-Income ratio. This gives you, the borrower, much greater home buying power.

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USDA Rural Housing Loan

FICO Score as low as 580.The USDA Guaranteed Loan Program provides one of the most affordable loan programs to American’s today. USDA Home Loans are great for those that qualify because it offers a 100% financing program with no down payment required. USDA Home Loans can be used to either purchase or refinance your home. Rural Housing Loans have fewer qualifying restrictions and are a financially secure option for any homeowner. Financing does depends on several factors and does have some limitations including the location of the home and the total combined income of the household.

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Manufactured Homes on Land

FICO score as low as 580. FHA and VA financing.

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One Time Close

Build a Manufacture home on your land or find that perfect lot.

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Jumbo Loan

Purchase a home or refinance with loans above $417,000. Low interest rates.

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Conventional Loan

FICO Score as low as 620 with as little as 5% down.

No MI: No MI with as little as 10% down.

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FHA Back to Work Program

FICO score as low as 580. Purchase a home or refinance one year after a Bankruptcy and/or one year after a foreclosure. Learn more about this amazing program.

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One Year after a Bankruptcy

FICO score as low as 580. The FHA ‘Back to Work’ program. An amazing program! Purchase or refinance your home.

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One Year after a Foreclosure

FICO score as low as 580. The FHA ‘Back to Work’ program. A program that finally fits all most every situation. Purchase or refinance your home.

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Call, text or email me and I will make sure you are paired with a loan expert who can get it done!!

John Barker   Phone 801-941-0740     homesbyjohnbarker@comcast.net

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