No down payment? Low credit? Self-employed? Veteran? There's a program. Penny will find it.
Programs designed for buyers who'd rather keep cash in the bank.
For active military and veterans. Zero down payment, no PMI, and competitive rates. One of the best deals in lending — if you've earned it.
Zero down for eligible rural and suburban properties. If your zip code qualifies, this is a remarkable deal most people never hear about.
Low down payment, flexible credit requirements, and backed by the federal government. Great for first-time buyers building their financial footing.
Tennessee offers several down payment assistance programs. Penny will tell you what you qualify for — most buyers are surprised by what's available.
Limited savings? This option gets you in without draining your emergency fund, keeping you prepared for the realities of homeownership.
Designed for buyers with imperfect credit or minimal down payment. More flexible underwriting for those who need a second chance.
The most common loan type — and often the most competitive rates.
Instant equity, no PMI, and the lowest monthly payment. Ideal if you have the savings and want the best long-term position.
A balance between building equity and preserving your cash. Popular with buyers who want skin in the game without going all in.
For buyers who want to retain savings and still get a solid conventional rate. Smart choice for those keeping cash for repairs and upgrades.
When the home costs more but you want conventional-style terms.
Maximum equity, no mortgage insurance, and excellent rates for the high-balance tier. Best if you have the capital and want to minimize carrying costs.
Split the difference between equity and cash on hand. Good fit for buyers in the Franklin and Brentwood markets.
High-value properties — Penny has options that most lenders don't.
Full equity purchase on a premium property. Strong rate options for well-qualified buyers.
Preserve capital on a high-value purchase. More flexibility than most jumbo products on the market.
For buyers who want maximum cash flow flexibility during the early years. Popular with high-income buyers who invest aggressively.
Self-employed or retired with significant liquid assets? We use your portfolio to qualify, not just your tax return. A game-changer for the right buyer.
These are often the best options — and the least advertised.
Buy the house AND fund the renovations in a single loan. Perfect for fixer-uppers — roll purchase price and rehab costs together.
Can't refinance because you're underwater or just above water? HARP is designed for borrowers current on payments but stuck on a high rate.
For homeowners 62+ who want to eliminate their monthly mortgage payment and access equity. Complex product — Penny will walk you through it honestly.
That's literally what Penny is for. Tell him your situation and he'll find the right fit — no pressure, no upsell.
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