Community Lending Group
Home Purchase Financing

Yes! You Can
Buy A Home.

Whether it's your first home or your fifth, Lorin and the Community Lending Group team build you a clear, honest path to closing — no surprises, no pressure, just real numbers.

5.0 ★
Google Rating
Fast
Pre-Approvals
Pre-Approved in Days
Not weeks. Real answers, fast.
How It Works

Eight simple steps from application to keys in hand.

01
Free Consultation

We talk through your goals, budget, and timeline before anything else.

02
Get Pre-Approved

We review income, credit, and assets for a real, accurate pre-approval.

03
Choose Your Loan

We match you to the right program — Conventional, FHA, VA, USDA, or Jumbo.

04
Shop With Confidence

Take your pre-approval to your realtor and tour homes knowing your budget.

05
Go Under Contract

Once your offer is accepted, we start your full loan application immediately.

06
Lock Your Rate

We lock in your rate and move your file into underwriting right away.

07
Underwriting & Approval

We keep you updated at every step while your loan clears final conditions.

08
Close & Get Keys

Sign your final documents and get the keys to your new home. Congratulations!

Loan Options

Loan programs built around your situation.

Not sure which loan fits you? We'll walk you through the options and recommend the right one — no pressure.

Conventional

Flexible terms for buyers with steady credit and income looking for competitive rates.

FHA

Lower down payment options, ideal for first-time buyers or those rebuilding credit.

VA Loans

Zero-down financing for eligible veterans and active-duty service members.

USDA

Zero-down loans for eligible buyers purchasing in qualifying rural and suburban areas.

Jumbo

Financing for higher-priced homes that exceed standard conforming loan limits.

Who We Help

Wherever you're starting from, there's a path forward.

First-Time Buyers

New to the process? We explain every term, every fee, and every step so nothing catches you off guard.

Move-Up Buyers

Selling one home and buying the next? We coordinate timing so you're never left in limbo.

Veterans & Active-Duty

We help you use your VA benefit with confidence — zero down, no guesswork.

Rebuilding Credit

Denied elsewhere? The Mortgage Prep Program builds a real plan to get you approved.

FAQs

Questions buyers ask us most.

It depends on the loan program. Some options allow as little as 0% to 3.5% down. We'll walk through the exact numbers for your situation during your consultation.

Most buyers get a pre-approval letter within a couple of days of submitting their documents, so you can start shopping quickly.

That's exactly what our Mortgage Prep Program is built for. We create a step-by-step plan to get your credit and finances mortgage-ready.

Your consultation and pre-approval are free. We'll go over any fees clearly and upfront before you move forward with an application.

Yes — in fact, we recommend it. Knowing your budget first makes the entire home search much more focused and efficient.

Ready For Next Steps

Get a clear mortgage plan before you start shopping.

Apply now or schedule a time with Lorin and the Community Lending Group team for direct guidance.