Loan Programs Customized For You
FHA | Conventional | USDA Loans
Popular programs with low down payment options and flexible guidelines
First-Time Homebuyer Programs
Special offerings with reduced upfront costs and credit-friendly features
Low Down Payment Options
Low Down Payment Options
Buy a home with as little as 3% down (if eligible)
Refinance Options
Reverse Mortgages & Reno Loans
Low Down Payment Options
- Rate/Term Refinance
Lower your monthly payment or change your loan term
- Cash-Out Refinance
Use your home’s equity to consolidate debt, renovate, or invest
- HELOCs
Specialized & Flexible Loans
Reverse Mortgages & Reno Loans
Reverse Mortgages & Reno Loans
- Bank Statement Loans
For self-employed borrowers who don’t show traditional income
- DSCR Investor Loans
Designed for rental properties and real estate portfolios
- FSBO Buyer Loan Support
Full support for buyers purchasing without a realtor
- and more
Reverse Mortgages & Reno Loans
Reverse Mortgages & Reno Loans
Reverse Mortgages & Reno Loans
- Renovation Loans
Finance the home and the improvements in one single loan
Ideal for fixer-uppers, cosmetic upgrades, or major repairs
- Reverse Mortgage
For homeowners aged 62+ looking to access home equity without monthly payments
Helps cover retirement needs, healthcare, or simply stay in your home longer
Copyright © 2023 Elizabeth Johnston | Mortgage Broker NMLS 2446640 - Powered By Four Clover Homes Inc. - All Rights Reserved.
Four Clover Homes Inc NMLS# 1585758
Elizabeth Johnston is your one stop shop for getting a Home Mortgage or Refinancing your existing Mortgage anywhere in Texas & California. Elizabeth Johnston is an Independent Sales Representative for Four Clover Homes Inc. Each company is a separate legal entity operated and managed through its own management and governance structure as required by its state of incorporation, and applicable legal and regulatory requirements.
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