Still Looking

Stuck With An Issue?

My credit history isn’t the best...

If you’re worried your credit score is too low, don’t count yourself out. Plenty of loan programs are designed for borrowers with lower scores or past credit challenges. Whether it’s bankruptcy, foreclosure, late payments, or collections, we’ll help you sort through everything and understand exactly where you stand.

I’m a self‑employed business owner...

Self‑employment income can be tricky — it fluctuates, and tax returns don’t always tell the full story. At TLS, our Loan Officers use their experience to break down your income streams and show how they can be used to qualify for a home loan.

I’m still saving for my down payment ...

A 20% down payment is great, but it’s definitely not required for everyone. Some loan programs allow as little as 3% down, and gift funds can help cover both the down payment and closing costs. You have more options than you might think.