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Welcome to the American Dream...homeownership! Buying a home is one of the biggest decisions you’ll make and 1st Reliant is here to help. We realize that the loan application process can be stressful and difficult to understand, which is why we offer each client personal service to ensure things run smoothly. Not only are we here to guide you through the application process, but specialists will also help you understand the entire home loan process. Refinancing your home has never been easier.


Fixed-Rate Mortgage

Have a consistent, predictable monthly mortgage payment for the life of your loan. A Fixed-Rate Loan gives you the peace of mind that your monthly payments won’t change, regardless of interest rate fluctuations.

Adjustable-Rate Mortgage

A loan with a lower starting interest rate that can fluctuate annually according to the financial index. Great for customers who plan to move in the near future and aren’t worried about their interest rate increasing.

FHA Loans

Qualify with a low credit score and 3.5% down payment. Insured by the Federal Housing Administration, FHA loans include mortgage insurance, which protects the lender from loss if the borrower defaults on the loan.

VA Loans

Buy a home with no down payment. Guaranteed by the Veterans Affairs Department, a VA Loan does not require any money down (for qualified buyers) or private mortgage insurance (PMI), and offers competitive interest rates.

Jumbo Loans

We offer flexible financing for larger loans up to $3 million, available for primary residences, investment properties, or a variety of other terms. Choose from fixed or adjustable rates. Jumbo Loans may have higher interest rates and require larger down payments.


There is no exact formula for loan qualification, but knowing the types of things that we will be reviewing may help you determine whether or not you’re ready to apply for a home loan.

Credit Score 

If your credit score is above 660, then you’re in pretty good shape.

Just because your FICO score isn’t as good as you’d like, doesn’t mean you’re stuck with never being able to own a home.

In fact, some of the very best lenders out there are willing to help borrowers with credit scores near or below 600

There isn’t a set number for what your income, credit score or down payment will need to be for you to qualify for a 1st Reliant loan.

If you can make a 10% down payment, you can most likely get approved with a credit score between 500 – 579.

Income/Cash Reserves

How much you make or how much you have saved up could make a big difference when qualifying for a loan.

Job History

Proving you have a stable and consistent job record is key when applying for a home loan.

Down Payment

Depending on the type of loan you qualify for, your down payment amount may vary. For example, an FHA Loan requires a minimum down payment of 3.5%.



Talk to one of our 1st Reliant loan specialists and find out which loan is right for you. We’re here to answer any questions you may have, so reach out and let us know how we can help.

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