Get Pre-Approved For A Home!

There are generally two ways to get a mortgage:

From the Big Banks or from a licensed Mortgage Broker.

While a bank is limited to only the products from their institution, we at City State Financial as a licensed Mortgage Broker use direct lenders, banks, credit unions, private lenders, and financial institutions; offering our clients more choice, and access to dozens of lenders and hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage available that best fits their needs.

Whether you’re a first-time home buyer, taking out equity from your home for investment or pleasure, your current mortgage is simply up for renewal, or you don’t fit into any of the categories listed above, don’t worry! We offer a wide variety of mortgage products, services, and options for your situation, regardless of your circumstances.

It is important that you are making an educated buying decision with professional unbiased advice. 

Please contact us to evaluate the options for your mortgage success.

Non-Traditional Home Loan OptionsLearn More

  • 1-Month Bank Statement Loans
  • 12-Month Bank Statement Loans
  • 24-Month Bank Statement Loans
  • 12-Month Tax Return Program
  • Asset Depletion Loans
  • Cash Flow Loans
  • Commercial Loans
  • Conventional 97% LTV
  • Conventional 99% LTV
  • Family Ready
  • FHA 96.5% LTV
  • FHA 203k Steamline
  • FHA Reverse Mortgage
  • FHA Refinance
  • FHA with 550 Fico
  • Foreign National Full Doc
  • Foreign National Refinance
  • Home Community
  • ITIN Non-Citizen Loan
  • Jumbo Loans 90% LTV
  • No-Doc Loans w/ Fico
  • No-Doc Loans / No Fico
  • Puerto Rico Borrower Loan
  • Reverse Mortgage Purchase
  • Stated CondoTel Loans
  • USDA Streamline
  • VA Jumbo Loans
  • VA Streamline (IRRRL)
  • Bank Statement & Cash Flow Loans
  • Tax Return Program
  • Asset Depletion Loans
  • Commercial Loans
  • Family Ready
  • Foreign National
  • Home Community
  • ITIN Non-Citizen Loan
  • Jumbo Loans
  • No-Doc Loans
  • Puerto Rico Borrower Loan
  • Reverse Mortgage Purchase
  • Stated CondoTel Loans
Learn More

Traditional Home Loan OptionsLearn More

  • Conventional
  • FHA
  • USDA Home Loan
  • Veteran's Affairs Home Loans (VA)
Learn More

USDA Home Loan

  • A fixed interest rate for the entire life of the loan.
  • Low down payment options available for qualified borrowers.
  • Loan amounts available up to $417,000.00
  • 10, 15, 20, and 30 year terms available.

FHA Home Loan

  • Great for First Time Home Buyers!
  • 3.5% down payment required - Can be a gift!
  • Seller can contribute up to 6% of the borrower's closing costs.
  • Flexible mortgage guidelines.

Veteran's Affairs Home Loan

  • No monthly mortgage insurance.
  • Credit scores as low as 620
  • Flexible mortgage guidelines.
  • Seller concessions up to 4% of the reasonable value of the property.

Conventional Home Loan

  • A fixed interest rate for the entire life of the loan.
  • Loan amounts available up to $417,000.00
  • 10, 15, 20, and 30 year terms available.
  • Low down payment options available for qualified borrowers.

Get Pre-Approved For A Home!

Get Pre-Approved For A Home!

Have Questions?

Have Questions?

Have Questions?

Have Questions?

Get Pre-Approved For A Home!