HOME LOANS THAT ARE ON TARGET

Getting a home loan that fits your situation is the mission!

Here is What We OFFER

A Targeted Process That Gets You Into a Home

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Partners In Your Journey To Homeownership

Many think home ownership is out of reach. We can help make it happen. True a home loan is not a guarantee and getting one can be tougher than you think. There are so many things to consider and the space is confusing at best. However, the right team can make all the difference. We are a team of experienced mortgage professionals committed to helping you achieve your dream of homeownership.

We guide you every step of the way with personalized service, clear communication, and a range of loan options. Our mission is to make home financing simple, fast, and affordable.

  • Can do, Mission focused attitude that finds a way
  • Veterans that are Certified Veterans Lending Specialists
  • Experience that produces results
  • Fast approvals and smooth closings
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Who We Are

Your Home Starts Here with Us

At Down Range Mortgage, we help you navigate the home loan process. We are clever in our approach producing some unique results where others fail. We look at your situation and help target your dream home. Our large network of WHOLESALE LENDERS allows us to not only shop the loans for you but also place lenders in competition for your business. Whether you’re a first-time homebuyer or a seasoned home purchaser, we take the time to understand that this is likely the largest purchase you will ever make and you need to be more than just another client.

We appreciate what you and your family have sacrificed to get here and will throw all in to help make it happen. We believe in keeping things simple with honest advice so you always know what’s happening and what comes next. Our services include; Conventional, FHA, VA, USDA, and Nonqualified Mortgage home purchase loans. We do mortgage refinancing and have access to a host of Down Payment Assistance programs that are repayable or even grants. We work closely with you to secure the best possible plan. You will love the difference we can make.

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Starts with Trusted Loans

Products and Services

Mortgage Services

Mortgage Services

From loan consultations to rate quotes, we offer personalized mortgage solutions to match your financial goals and homeownership plans.

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Home Purchase

Home Purchase

We guide you through the entire home buying process, from pre-approval to closing, with simple steps and expert support.

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Conventional Loans

Conventional Loans

The most common type of loan at nearly 80% of all loans. It has 3% down for first-time home buyers. There is more latitude and competition in this space so lenders can get aggressive.

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FHA Loans

FHA Loans

This is a great loan for first time home buyers. It has 3.5% down, low rates, flexible credit terms and is much easier to qualify for. Its backed by the government.

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VA Loans

VA Loans

This loan is for Veterans and active military members. It has 0% down, low rates, no PMI and is protective of the veteran. Its backed by the VA.

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USDA Loans

USDA Loans

Designed for rural areas this loan has specific income requirements, 0% down and low rates. Funding can run out but if qualified for it can be very lucrative.

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Non-Qualified Mortgage Loans

Non-Qualified Mortgage Loans

When the standard loans don’t work there are a bunch of other ways that just might. If you want a home don’t give up.

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Mortgage Refinancing

Mortgage Refinancing

Refinance to lower your rate, reduce payments, or access home equity, custom solutions designed to improve your financial situation.

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Home Loan Grants

Home Loan Grants

We can bring in Down Payment Assistance programs to help pay your down payment and closing costs making buying a home much more affordable.

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Your Trusted Partner

Services We Offer

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VA Loans

Empowering all veterans with zero-down loans and low interest rates to achieve homeownership.

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Home Purchase

Simplifying the best home buying process with expert advice, pre-approvals, and smooth closings.

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Mortgage Services

Offering expert mortgage consultations, pre-approvals, and personalized support throughout your home financing journey.

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FHA Loans

Affordable loans with flexible terms, perfect for first-time buyers and with lower credit.

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Home Loan Grants

Helping you access grants and programs to reduce down payments and closing costs.

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Mortgage Refinancing

Refinance your mortgage for better rates, lower payments, or to unlock home equity.

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FAQs

Here are the answers to the frequently asked questions

The Loans we offer are Conventional, FHA, VA, USDA, Refinances, HELOCs, 2nds, Non-Qualified Mortgages: Verification of Employment, Bank Statement, 1099, P&L, Asset Depletion, DSCR, 2nd Investment, ITIN and more.

You can apply online or by contacting our team to start your application process: https://www.blink.mortgage/app/signup/p/mortgagemanagement/richardlightle1

Credit score requirements vary by loan type. We help find options for various credit levels.

While many loans require a down payment, not all do. Down Payments vary in size by program and your desired result. When a down payment is required, there may be options for a down Payment Assistance plan that pays it for you. Never think you can’t afford a home without giving us a call.

With most banks and lenders, the process typically takes 30 to 50 days depending on the loans and application. We are a little faster with our average at 25 days and have completed some loans in 7 days.

Yes! We offer refinancing options to help you get a better rate or lower payments, consolidate bills to a lower interest rate, cash out to finance a home project and other things.

A Down Payment Assistance program typically pays your down payment for you and some will help cover some closing costs as well. Many of these programs are loans that cost nothing monthly but have to be repaid when you sell the home. Some are grants where the money is gifted after a period of time, meaning you don’t repay it. There are many options with many qualifications but we will always look into these for you. They can really help.
Don’t just take our word for it

Here is What Our Client Says About Us

Our value

Bringing Professional Care to Your Door

Our values of respect, integrity, and excellence guide everything we do. We believe in treating every patient like family, ensuring their comfort and dignity while delivering high-quality healthcare services.

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Our Vision

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Our Mission

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Have questions or ready to get started?

We’re here to provide expert guidance and support throughout your home loan journey. Contact us now to explore your options!