Stephens Team Home Loans

History

As a married couple, we work together as a lending team. Mandi has been in the lending industry 16+ years, while Jeremy has specialized in marketing and SEO. Our strengths complement each other, and working together allows us to be readily available to provide our lending families with personal guidance throughout the home buying process. Working as mortgage brokers with Caliber Home Loans gives us the advantages of being able to work with you as a team to find the best rate and program to fit your specific situation.

Specialties

Loan Products: **Conventional** Conventional loans are not insured by the FHA or VA. Generally, these are a good option for homebuyers with higher credit scores and stable employment histories. **Government** ~FHA Loans - Fixed-rate and ARMs, high-balance An FHA loan is partially insured by the Federal Housing Administration (FHA), an agency created in 1934 to help borrowers and businesses recover from the Great Depression. ~USDA Loans Designed for homebuyers in rural locations who do not qualify for a conventional loan. They feature low down payments and relaxed qualifying guidelines. Properties must be in a rural area designated by the US Department of Agriculture. ~VA Loans - Fixed-rate and ARMs, high-balance VA loans are partially insured by the U.S. Department of Veterans Affairs (VA) and are a valuable benefit for military veterans and active servicemen and women.