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FHA Loan Alternative
Life Changer Loan

Are you a home buyer or home owner in Alabama, North Carolina, Tennessee, Missouri or Mississippi? Want the Flexibility of the FHA Loan without all the hassles and costs involved in a Government Insured program? Have we got a mortgage for you. The Life Changer Loan by offers our Home Buyers and home owners outstanding opportunities to create financing solutions without the FHA hassles in Johnson City, TN and beyond.

Providing two different and unique FHA Mortgage Alternative Programs, our mortgage company can assist home buyers with 97% Financing, 100% or even 105% financing with Debt Ratios as high as 55% and loan amounts up to $650,000.00! Features and Opportunities you'll never get with the FHA Loan program!

Outstanding Life Changer Loan Program's Features Include:

  • 100% Financing
  • No Up Front FHA MIP - No upfront mortgage insurance period
  • Little or No Funds For Down Payment meaning you won't be scrambling for Down Payment Help
  • Debt to Income Ratios as High As 55% from Kansas City to O'Fallon MO- FHA Loan? No Way You'll Get Ratio's That High!
  • Fixed Rate Or Adjustable Rate 7/1 ARM or 10/1 ARM Mortgage Programs for Stability and Flexibility - Definitely Won't Get Those ARMS with the FHA Loan
  • Borrowers with NO Credit Score are A-OK from MS, to Charlotte, NC
  • Perfect for Income that's Tough To Verify (Can't Get That With An FHA Home Loan)
  • Non Traditional or Foreign Credit
  • Cash On Hand or Pooled Funds
  • Boarder Income
  • Stated Secondary Income - Definitely Won't Get That With FHA
  • APPLY NOW! To Find out If You Qualify for This Outstanding FHA Loan Alternative or to discuss your particular lending needs, call for a no-obligation consultation!


Need to Finance Closing Costs in Tupelo, MS, Missouri, North Carolina Alabama, Tennessee or any other area we serve? Have We Got A FHA Loan Alternative Program For You! Features Include:

  • No Mortgage Insurance - Eat Your Heart Out FHA
  • 105% Fully Amortized - No Way With An FHA Mortgage
    • You Can Include Closing Costs, Prepaid Items, and/or Financed Premiums such as New Home Warranty
  • Fixed Rate Loan and 5/1 ARM Program options
  • Up To 50% Debt To Income Ratio - Try That with an FHA Loan!
  • Maximum Loan Amount of $650,000.00 Regardless of the Community That's up to Jumbo Mortgage size! You Definitely Won't Get This With The FHA Home Loan Program!
  • 3% Seller Contributions Allowed On Top of the 105% Financing!
  • Down Payment Assistance Programs ALLOWED!
  • What Are You Waiting For? APPLY NOW!

If the FHA Loan program has let you down, and you're looking for a real alternative to meeting your financial goals in Decatur, AL or any other market where we originate loans, you owe it to yourself to call and ask for the Life Changer Loan! Want a personal touch? Give us a call today!

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97% Financing | Construction Loans | Lot Loans | First Time Buyers | Down Payment Help
Fixed Vs. ARMS | Real Estate Agents | 1/1 ARM | 3/1 ARM | 5/1 ARM | 7/1 ARM | 10/1 ARM
Option ARM Program | Cash Out Refi | Debt Consolidation | HELOC's | Fixed Vs. ARM
Real Estate Agents | Closing Costs | Investor Purchase Money | 100% Investor Financing
Investor Refinancing | NOO NIV | NOO No Ratio | 95% NOO No DOC | Bad Credit Home Buyers
Bad Credit Refi | Bad Credit 2nd Mortgage | Hard Money Loan | Fixed Rate Refinancing
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