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Trusted. Simple. Realtor®-Recommended.

Your Pathway to Homeownership Starts Here. We offer full-service residential mortgage solutions nationwide, designed to meet the unique needs of every borrower.

Whether you are looking to get pre-approved to purchase, or tap into your home's equity, we are here to help!

Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market.

With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. Every step we take is aimed at maximizing your savings.

Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Experience the difference with our dedication to your financial success.

Meet Your Loan Officer

In April 2023, T.J. became a part of Smart Home Lending, bringing with him over 9 years of extensive experience as a loan officer. Renowned for his diligence in catering to customers and ensuring their satisfaction, he holds a genuine concern for their well-being.

T.J. is deeply committed to delivering exceptional service to his clients, leveraging his expertise in mortgage lending and a sincere dedication to aiding others. Recognizing the pivotal role of communication in the home-buying journey, T.J. endeavors to streamline this process for his clients.

Take the first step toward the home you have been dreaming about.

Licensed in Kansas, Missouri, & Florida

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Overland Park, KS 66211

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• Explore Loan Options Scroll You're in Good Hands with Our Mortgage Services Whether you are looking to get pre-approved to purchase, or tap into your home's equity, we are here to help! What We Do Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market. How We Do It With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. Every step we take is aimed at maximizing your savings. How You Benefit Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Experience the difference with our dedication to your financial success. Loan Programs Home Loan Options View All Loan Programs Meet Your Loan Officer Meet In April 2023, T.J. became a part of Smart Home Lending, bringing with him over 9 years of extensive experience as a loan officer. Renowned for his diligence in catering to customers and ensuring their satisfaction, he holds a genuine concern for their well-being. T.J. is deeply committed to delivering exceptional service to his clients, leveraging his expertise in mortgage lending and a sincere dedication to aiding others. Recognizing the pivotal role of communication in the home-buying journey, T.J. endeavors to streamline this process for his clients. Learn More About T.J. Ready to Get Started? Take the first step toward the home you have been dreaming about. <a href="https: Schedule a Call
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MidAmerica Nazarene University

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About

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In April 2023, T.J. became a part of Smart Home Lending, bringing with him over 9 years of extensive experience as a loan officer. Renowned for his diligence in catering to customers and ensuring their satisfaction, he holds a genuine concern for their well-being.

T.J. is deeply committed to delivering exceptional service to his clients, leveraging his expertise in mortgage lending and a sincere dedication to aiding others. Recognizing the pivotal role of communication in the home-buying journey, T.J. endeavors to streamline this process for his clients, making it as effortless as possible.

Beyond his professional pursuits, he cherishes his role as a devoted husband and proud father of three. In his leisure moments, you will find T.J. shuttling his kids to practices or games, often with the backdrop of sports radio. He finds solace in spending time with his family, delving into the Word, and indulging in a round of golf.

Additionally, he wears his allegiance proudly as a fervent supporter of the Chiefs and Royals .

Why Choose T.J.

2003 - 2005

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

Full-service residential mortgage solutions nationwide.

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5440 W 110th St

Overland Park, KS 66211

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What We Offer

Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.

Our Approach

Unlike traditional retail mortgage lenders, our loan officers have the flexibility to work with a wide range of lending partners. This allows us to find the best possible rates in any market. While the market may fluctuate, our commitment to delivering savings doesn't.

With just one credit pull, we compare loan options from multiple lending partners to determine the best fit for your financial situation. This includes evaluating options such as purchasing discount points, selecting the most suitable loan type, and adjusting your down payment.

Choosing our mortgage services means accessing lower rates, more options, and just a single credit inquiry. Our mission is to transform the home buying process into a stress-free experience, ensuring you save the most money possible.

The Journey

Schedule a free consultation and we will help you find the perfect program for your unique situation.

Full-service residential mortgage solutions nationwide.

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Overland Park, KS 66211

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FHA Loans

FHA Loans

What Are FHA Loans?

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2026 FHA Loan Limits

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Government-Insured Financing

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

As little as 3.5% down with credit scores from 580 and above.

Whether you are buying your first home or looking for more flexible qualification criteria, FHA loans provide government-backed security with terms designed for working families.

*Subject to AUS Approval. Rates and requirements are subject to change.

FHA loan limits vary by area. Here are the current limits by area type.

Let us help you navigate the FHA loan process and find the perfect home financing solution.

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VA Loans

VA Loans

What Are VA Loans?

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Active Duty

Guard & Reserves

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For Those Who Served

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. Zero down payment, no PMI, and competitive rates.

VA loans are a benefit earned through military service, backed by the Department of Veterans Affairs. These mortgages offer unmatched advantages for veterans, active-duty service members, and eligible surviving spouses, making homeownership more accessible and affordable.

Zero down payment. No PMI. Competitive rates earned through your service.

Let us help you take advantage of the VA loan benefits you have earned through your service.

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Conventional Loans

Conventional Loans

What Are Conventional Loans?

Requirements

2026 Conventional Loan Limits

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Traditional Financing

The most popular home financing option in America. Flexible terms, competitive rates, and the traditional mortgage solution trusted by millions of borrowers.

Conventional loans are traditional mortgages not backed by government agencies like FHA, VA, or USDA. They offer the most flexibility and are ideal for borrowers with good credit and stable income. As the backbone of American home financing, they represent over 75% of all mortgage originations.

Down payments as low as 3% for qualified first-time buyers.

Explore your conventional loan options and find the perfect financing solution for your home.

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USDA Loans

USDA Loans

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Rural Development Program

Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.

Find out if your dream home is in a USDA-eligible area and start your journey to homeownership.

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Jumbo Loans

Jumbo Loans

What Are Jumbo Loans?

Qualification Requirements

2026 Loan Limits by Area

Benefits & Features

Frequently Asked Questions

Which Jumbo Program Fits You?

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Luxury Property Financing

Specialized portfolio lending for luxury properties. Five distinct jumbo programs designed for unique borrower profiles, from first-time buyers to experienced investors.

Jumbo loans, also known as non-conforming loans, are mortgages that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are designed for financing luxury properties and homes in highly competitive real estate markets.

Loan amounts from $832,751 up to $3,000,000 and beyond.

Let our specialists analyze your profile and recommend the best jumbo program from our five specialized options.

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Calculators

Mortgage Calculators

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Tools & Resources

Plan your home purchase with professional-grade calculators from Broker Marketplace. Get accurate estimates for payments, affordability, refinancing, and more.

Professional Tools

Use these professional-grade calculators powered by industry-leading mortgage technology to plan your home financing with confidence.

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Explore additional mortgage calculators including VA, FHA, USDA, and jumbo loan tools.

Ready to take the next step? Apply now and get a personalized rate quote in minutes.

Not sure which calculator to use? Contact T.J. for personalized guidance.

These calculators provide great estimates, but every situation is unique. Get a personalized rate quote tailored specifically to your financial profile.

These calculators provide helpful estimates, but nothing replaces personalized guidance. Let's discuss your specific situation and find the best mortgage solution for you.

Full-service residential mortgage solutions nationwide.

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OFFICE

5440 W 110th St

Overland Park, KS 66211

CONTACT

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• Tools & Resources Mortgage Calculators Plan your home purchase with professional-grade calculators from Broker Marketplace. Get accurate estimates for payments, affordability, refinancing, and more. Professional Tools Mortgage Calculators Use these professional-grade calculators powered by industry-leading mortgage technology to plan your home financing with confidence. More Calculators Explore additional mortgage calculators including VA, FHA, USDA, and jumbo loan tools.
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Dscr Non Qm

DSCR & Non-QM Products

What Are DSCR & Non-QM Loans?

Our Non-QM Solutions

How DSCR Works

DSCR Thresholds

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Alternative Financing Solutions

Flexible financing solutions for real estate investors, self-employed professionals, and borrowers who don't fit traditional lending criteria.

Non-QM (Non-Qualified Mortgage) loans are home financing options that don't meet the strict standards of traditional qualified mortgages. These programs offer flexibility for borrowers with unique financial situations.

DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors. Instead of using your personal income to qualify, these loans look at the property's ability to generate rental income to cover the mortgage payment.

No tax returns. No W-2s. Just common-sense lending for modern borrowers.

Specialized loan programs designed for borrowers who need alternatives to traditional financing.

Understanding DSCR

The Debt Service Coverage Ratio is calculated by dividing the property's monthly rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, and HOA fees).

Example Calculation:

Monthly Rent: $2,500

Monthly PITIA: $2,000

DSCR = 1.25 (Excellent!)

A DSCR of 1.0 means the property breaks even. Most lenders prefer 1.0 or higher, with better rates available at 1.25+.

*Requirements vary by specific program. Contact us for detailed guidelines.

Schedule a free consultation to discuss your investment goals and find the right Non-QM financing solution for your next property.

Full-service residential mortgage solutions nationwide.

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5440 W 110th St

Overland Park, KS 66211

CONTACT

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First Time Homebuyers

Your Dream Home Starts Here

Programs Built for First-Time Buyers

Conventional vs. FHA: Which is Right for You?

Conventional Loans: Lower Costs for Qualified Buyers

Minimum Down Payment

Cancellable Mortgage Insurance

Better Rates with Good Credit

Typical Requirements

FHA Loans: Flexibility When You Need It

Credit-Friendly

100% Gift Funds Allowed

Faster Recovery After Hardship

Typical Requirements

Stop Renting. Start Building Wealth.

The Power of Equity

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Buying your first home should be exciting, not overwhelming. With down payments as low as 3% and personalized guidance from , homeownership is closer than you think.

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Licensed Professional

500+ First-Time Buyers Helped

Loan Options

Choose the loan that fits your situation. We will guide you through every option to find your perfect match.

Best for:

Compare the two most popular first-time buyer programs side by side.

Conventional loans are no longer just for 20% down payments. With first-time buyer programs like HomeReady and Home Possible, you can put down just 3% and still enjoy competitive rates and flexible terms. Best of all, your mortgage insurance cancels automatically once you build 20% equity.

As low as 3% for first-time buyers. On a $300,000 home, that is just $9,000 down.

Private mortgage insurance (PMI) drops off automatically at 20% equity. FHA MIP often stays for life.

With a 720+ credit score, you will qualify for the best available rates and lowest PMI costs.

FHA loans are designed to make homeownership accessible to more Americans. With lower credit requirements, higher debt-to-income allowances, and the ability to use 100% gift funds for your down payment, FHA removes barriers that might otherwise keep you renting.

Qualify with credit scores as low as 580. Even 500-579 may work with 10% down.

Your entire 3.5% down payment can come from family gifts. No minimum borrower contribution required.

Only 2 years after Chapter 7 bankruptcy or 3 years after foreclosure vs. 4-7 years for conventional.

Why Buy?

Every mortgage payment builds equity. Every rent payment builds your landlord's wealth. The decision to buy your first home is one of the most powerful financial moves you can make.

*Assumes 3% annual appreciation on $300,000 home. Actual results vary by market.

Everything you need to know about buying your first home.

Join hundreds of first-time buyers who have trusted to guide them home. Pre-approval is free and takes just minutes.

Helping first-time buyers achieve the dream of homeownership with personalized mortgage solutions.

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