Buying a home? Let’s make the financing the easiest part.
A home purchase has enough moving parts — showings, offers, inspections, movers. Your mortgage shouldn’t be the stressful one. When you work with True Home Lending, you get a plan before you fall in love with a house, and a loan officer who answers the phone when your agent needs a fast, credible pre-approval.
Start with a real pre-approval. Sellers and listing agents take offers seriously when the financing is documented and verified. I’ll review your income, assets, and credit up front, tell you exactly what you can comfortably afford — not just what a formula says — and issue a pre-approval letter that carries weight in competitive markets across Kentucky, Indiana, Georgia, and Tennessee.
Know your true monthly payment. The sticker price is only part of the story. I’ll show you the full picture: principal and interest, property taxes, homeowner’s insurance, mortgage insurance if it applies, and HOA dues — for every price point you’re considering. Try the affordability and payment calculators, then we’ll refine the numbers together.
Pick the program that fits your life. First-time buyer with a small down payment? FHA or HomeReady/Home Possible may get you in with as little as 3–3.5% down, and down payment assistance may help further. Veteran? A VA loan could mean zero down. Buying in a rural or suburban area? USDA offers no-down-payment financing for eligible buyers. Self-employed? Bank statement loans look at your deposits, not just your tax return. I’ll lay out your options side by side — rate, cash to close, monthly payment, and long-term cost — so the choice is informed, not rushed.
From contract to closing, you hear from me. I track every milestone, coordinate with your agent and the title company, and flag problems early instead of at the closing table.
Ready to look with confidence? Get pre-approved today — start your application online or call (502) 233-4197 and talk to me first.
Related links: Loan Programs · Loan Process · Mortgage Basics · Calculators