Creative financing for buyers, realtors, and investors. We help clients qualify smarter with strategies many lenders cannot offer. All loans subject to credit approval.
Real people, real communication — we answer calls, respond to texts, and close loans.
NMLS #1334987
Jarred Jackle
Operations Coordinator / Loan Officer
Creative financing strategist focused on tough scenarios — investors, self-employed, and first-time buyers.
NMLS #1605875
Johnathen Weir
Sales Coordinator / Loan Officer
Relationship-focused communication and start-to-close support for clients and realtor partners.
Have a Scenario? Let’s Talk.
Before assuming a borrower doesn’t qualify, send us the scenario first. Most “no’s” we see have a smarter path forward. All loans subject to credit and underwriting approval.
Answers to common mortgage questions from Wichita homebuyers, investors, and self-employed borrowers.
Getting Started
What credit score do I need to buy a home in Wichita?
FHA loans allow scores as low as 580 (3.5% down). Conventional loans typically require 620+. VA loans have no VA-set minimum. Contact us regardless of your score — we’ll find the right program.
How long does pre-approval take?
We typically respond same day. Pre-approval letters are usually issued within 24 hours of receiving documentation. Pre-approval is not a commitment to lend.
How much money do I need to buy a home in Wichita?
FHA requires 3.5% down, conventional as low as 3%, VA and USDA 0% for eligible buyers. Budget for closing costs (2-3%). Down payment assistance may be available.
DSCR & Investor Loans
What is a DSCR loan?
DSCR loans qualify based on a rental property’s income rather than your personal income. DSCR = Monthly Rent ÷ Monthly PITIA. Subject to minimum ratio requirements and underwriting.
Can I close a DSCR loan in my LLC?
Yes. DSCR loans are specifically designed for investment properties and can be closed in an LLC — a significant advantage for asset protection.
How many investment properties can I finance?
DSCR and portfolio loans have no conventional 10-property cap. Your ability to scale is based on each property’s DSCR, credit profile, and lender guidelines.
Self-Employed Borrowers
Can I get a mortgage if I’m self-employed?
Yes. We offer bank statement loans, 1099 loans, P&L loans, and asset depletion programs. Subject to credit and underwriting. Non-QM products may carry higher rates.
How many months of bank statements do I need?
Most programs use 12 or 24 months. Business or personal statements accepted depending on the program.
Timeline & Process
How long does it take to close a mortgage in Wichita?
Typically 30-45 days from accepted offer to closing. DSCR loans often close in 3-4 weeks. Timelines vary by loan type and circumstances.
What is a one-time-close construction loan?
An OTC construction loan combines construction and permanent mortgage into one closing with one locked rate. Subject to builder approval and underwriting.
Mortgage Calculators
For illustrative purposes only. Results do not constitute a loan offer or commitment to lend.
Payment Calculator
Estimated Monthly Payment
$0
Estimate only. Actual payment varies based on credit, loan type, and other factors. Not a loan offer. Rates subject to change. All loans subject to approval.
DSCR Calculator
DSCR Ratio
1.22
DSCR calculations are for illustrative purposes only. Minimum DSCR requirements vary by lender. Not a loan approval. All DSCR loans subject to full underwriting review.
Meet the Team
Licensed mortgage professionals who answer the phone and know your file.
NMLS #1334987
Jarred Jackle
Operations Coordinator / Loan Officer
Creative financing strategist focused on tough scenarios — investors, self-employed, and first-time buyers. Jarred has helped hundreds of borrowers find a path when others said no.
NMLS #1605875
Johnathen Weir
Sales Coordinator / Loan Officer
Relationship-focused communication and start-to-close support for clients and realtor partners. Johnathen ensures no one is left wondering where their loan stands.
