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About me

We offer conventional, FHA, USDA, first-time homebuyer down payment assistance programs, renovation and jumbo loans, and VA programs. We are committed to providing you with the highest quality financial services possible, combined with competitive rates for your area. We work one-on-one with you to tailor a financial solution specifically suited to meet your current and future financing needs.

Whether you are purchasing your dream home, refinancing a current home loan, or consolidating debt, our highly experienced team can help you find the right loan program, no matter your needs. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

Contact Bill today to begin your home financing journey.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

VA

If you’re an active member of the military or a veteran, a VA loan can help you save money with no down payment and lower closing costs. VA loans also have lower interest rates, meaning you’ll save money over the life of your loan. A VA loan is a program created and guaranteed by the Department of Veterans Affairs (VA) specifically for eligible military veterans, service members and their spouses.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

The rating and reviews below represent my top reviews. Read all customer reviews here.

5.0 out of 5.0 stars

5.0

Brandon

May 20, 2024

Verified

Bill McCracken is one of the most amazing people to Work with, He is genuinely invested in helping people get where they need to be. Ive been through a rough start to 2024, and He just made everything way better, So Thank You Bill, You are the Best!!!!!!!!!!!

Brandon

May 20, 2024

Verified

Bill McCracken is one of the most amazing people to Work with, He is genuinely invested in helping people get where they need to be.Ive been through a rough start to 2024, and He just made everything way better, So Thank You Bill, You are the Best!!!!!!!!!!!

Kaleb S

Dec 29, 2022

Verified

There aren't enough words to describe the dedication Bill shows in helping you with purchasing a home. This was my first home purchase, and even through the hurdles, Bill was always transparent, and made the process run as smoothly as possible in order to achieve such a life changing goal! Highly recommend!

Jalucard72

Mar 09, 2022

Verified

Bill was extremely helpful thru out the whole process. Explained everything in detail and kept me informed of where and what I needed to do to complete the process.

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NMLS ID #1259265

I am authorized to do business in the states of Florida, Illinois, Indiana and Tennessee. (www.nmlsconsumeraccess.org/);

Select from hundreds of loan products tailored to your needs

Bill McCracken

Loan Officer

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