Up to 100% Financing Available

Let us help you find the best loan and down payment options to fit your needs.

Affordable Rates

Flexible Terms

Low Down Payments

Helpful Bankers


  • Popular for first-time homebuyers
  • Low down payment options with more flexible credit and income guidelines

Learn More


  • Both state and municipal down payment assistance options
  • Bond programs available

Let's Connect


  • Great option for those without traditional documentation or credit history required for mortgages
  • Purchase or refinance options available for owner occupied primary residences only

Let's Connect

Your Community Mortgage Expert


Community Mortgage Loan Originator

Get Started

Resource Center

Financial insights, helpful tools and more.

Debt-to-income Calculator

Your debt-to-income ratio is the percentage of your gross income used to cover your mortgage and other debt payments. This...


Home Affordability

You are ready to make the jump from renting to buying a home. That is good news. Buying a...

Read More

Calculate a Mortgage Payment

Repayment of a mortgage loan requires that the borrower make a monthly payment back to the lender. That monthly payment...


Buying a Home from a Family Member

When you have a parent, sibling, or another family member who is planning to move, you may be able to...

Read More

FEATURED LOAN: Community Path Mortgage Loan

Our Community Path Mortgage Loan is great for borrowers looking to purchase a home in select neighborhoods in our communities.

  • Borrow up to $500,000
  • Terms up to 30 years
  • Up to 100% financing and no Private Mortgage Insurance (PMI) with a minimum credit score of 620

Get Started

Not a commitment to lend. Loans subject to credit approval. Speak with an Independent Financial loan originator for complete terms and conditions. Subject property must be located in low-to-moderate income or majority minority census tract within Independent Financial designated areas throughout Texas and Colorado.