Welcome to 8 Flags Home Loans, LLC!

My ultimate goal is to create lasting relationships with each of my clients so that I may continue providing excellent service for many years to come.

I specialize in the following Georgia and Florida Mortgage Loans:

  • Conventional Loans
    • Credit scores of 620 and higher to qualify.
    • Great loans for purchases, refinances and new construction loans.
    • Down payment requirements are 1% to 19% with or without monthly mortgage insurance.  20% + requires no monthly mortgage insurance.
    • 3 year, 5 year, and 7 year adjustable rate mortgages also available.
    • Jumbo Loans
  • FHA Loans
    • Credit scores 580 and higher qualify.
    • Great loan for the first time homebuyer( only 3.5% down payment required) or for refinancing homeowners with limited equity in their homes.
    • Great loan for homes that need repairs and/or updating through the 203-k program ( 640 credit score required)
  • USDA Rural
    • Credit scores of 620 and higher.
    • For purchase loans only (other restrictions apply).
    • Great for first time homebuyers, requires no down payment.
  • VA Loans
    • Credit scores 580 and higher.
    • Only veterans qualify.
    • Great for purchases-no down payment required.
    • Cash out refinancing up to 100% of equity.
  • Reverse Mortgages
    • For Borrowers 62 & over.
    • Great for getting equity out of your home with no payment.
    • You can either take a lump sum of money or set up monthly payments.
  • Non Prime
    • Great for Self employed borrowers, can calculate income from bank statements.
    • credit scores as low as 500.
    • less than 1 year for bankruptcy and foreclosure.

Although I am located in Florida, I offer unparalleled home purchase and refinance service to clients throughout the States of Georgia and Florida!

Call, email, or text me Today!