Click below to view our Popular Loan Programs

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We don’t believe in one-size-fits-all lending. Our team works closely with each client to identify the mortgage solution that aligns with their financial picture and goals. Click the drop-down menus below to learn about the types of loans we offer.

A Loan Strategy Built Around You

  • The most common type of home loan. Ideal for buyers with good credit and a stable income. These loans typically offer low rates and several down payment options.

  • A great option for first-time or lower-credit buyers. Backed by the government, this loan allows for a low down payment (as little as 3.5%) and flexible credit requirements.

  • For veterans, active-duty service members, and some military spouses. Offers 100% financing, no mortgage insurance, and flexible credit requirements.

  • A flexible loan option for borrowers who may not fit traditional guidelines. Good for unique situations or less-than-perfect credit.

  • Designed for buyers in rural areas. Offers 100% financing (no down payment) and low interest rates for eligible properties and incomes.

  • Already own a home? Refinancing means replacing your current loan with a new one—often to get a lower rate, reduce your monthly payment, or take cash out for renovations or other needs.

  • Special loan programs created for doctors, dentists, and other licensed healthcare providers, often with low down payments, no mortgage insurance, and flexible guidelines.

  • Buy and fix up a home with one loan! These cover both the purchase price and renovation costs, perfect for homes that need a little TLC.

  • For higher-priced homes that exceed standard loan limits. Designed for buyers who need to borrow more than the average loan allows.

  • This loan starts with a lower interest rate that stays fixed for a few years, then adjusts with the market. Good for buyers who plan to move or refinance before the rate changes.

  • These are custom loans for buyers who don’t fit traditional lending boxes—like self-employed borrowers, investors, or those with unique income or credit situations. Bank statements or asset balances may be used instead of tax returns.

  • Two-Year Buydown

  • Want to buy a rental property? These loans are built for investors and include programs that focus on the property’s income rather than the buyer’s personal income.

“We are known for problem-solving. Our knowledge and experience is so extensive, we can look at a denied loan and often identify problems that can be solved. My heart is to help people. It gives me great satisfaction to be able to help someone buy a home and achieve their goals.”

— DeAnn Ellis Davidson, Element Home Loans

Are You Ready to Apply?

Getting started is easier than you think. Our secure online application allows you to complete the process quickly and conveniently, and our team will guide you every step of the way.

Start the application process

To begin, you’ll typically need:

  • A valid government-issued ID

  • Your Social Security number

  • Recent pay stubs covering 30 days

  • W-2s and/or tax returns from the past two years

  • Bank statements (most recent two months)

  • Information on any current debts or monthly obligations

  • Employment history for the past two years

  • If you’re self-employed, own rental property, or receive additional income, we may request a few additional documents to ensure we structure the best loan option for you.

Not sure if you have everything ready? That’s okay. Start the application, and give us a call with any questions. We’ll walk you through exactly what’s needed based on your unique situation.

855-ELEMENT