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Conventional mortgages are the most popular option for borrowers and are also the most well known for both purchase and refinance. Borrowers can choose anywhere between a 10 to a 30-year term with a fixed or adjustable rate options.

  • *No minimum FICO with AUS approval
  • As little as 3% down
  • Custom MI available
  • 1-4 Units primary residence, 2nd Homes and Investor Loans

We offer many different conventional options to allow for you to better tailor each loan to your borrowers wants and needs:

  • Freddie Mac Home Possible
  • Freddie Mac enhanced relief refinance
  • Fannie Mae student loan refinance
  • Fannie Mae delayed financing
  • Fannie Mae HomeReady


Low down payment, higher debt to income ratios and flexible credit requirements makes FHA a great option for first time homebuyers and those who may not qualify for a conventional product. Pair this with our TPO GO 100 Chenoa product and make sure every borrower can get a loan.

  • Down payments as low as 3.5%
  • Flexible qualification
  • Common sense underwriting applies to FHA minimum credit scores

We offer many different FHA options to allow for you to better tailor each loan to your borrowers wants and needs:

  • FHA Streamlined Refinances
  • Rate and term Refinances
  • Cash-out Refinances
  • FHA 203B
  • FHA 203H
  • FHA 203K

TPO GO 100 (powered by Chenoa)

Our preferred partnership with Chenoa's national down payment assistance funds, helps your borrowers cover closing costs and helps you close more FHA loans.

  • 1-2 Units Owner Occupied + Condos and Manufactured homes
  • 600 Minimum Fico
  • Maximum loan amount to FHA county guidelines
  • Rate Advantage
  • DPA Edge: Soft Second
  • DPA Edge: Repayable Second


USDA is a great program for borrowers in rural areas with up to 100% financing. Due to our depth of experience in USDA lending we have expert underwriters which means you get rid of senseless conditions. We also stand by our promise to ship the loan ASAP and notify you of the current USDA turn times so that you can keep your borrower informed.

  • 0% down
  • No Minimum Fico with AUS approval
  • Low to moderate income
  • 30-year fixed rate
  • Rural properties only (geographical eligibility requirements apply)
  • Available for purchase, rate and term refinance, and streamline refinance.
  • Manual Underwrites Available


We are proud to offer VA home financing to those who serve and have served our country, VA are specifically designed with exclusive Veterans benefits for Veterans, Active members, and spouses of those who have served.

  • 0 Down payment
  • Credit as low as 600
  • No monthly MI
  • Purchase, Cash out Refinances or Streamlined Refinances (IRRRL)
  • Renovation option available


No one does renovation lending better than TPO GO. We have expedited the contractor acceptance packet, created a lightning-fast draw process and we offer you direct access to renovation specialists who have over 25 years of experience in renovation lending.

Fannie Mae Homestyle

  • Buy and renovate a home with a low down payment
  • No upfront mortgage insurance
  • No minimum FICO with AUS approval
  • Monthly Mortgage insurance removable at 22% home equity
  • Purchase and limited cash out refinance
  • Ability to renovate in luxury items
  • 1-4 Units
  • Second Homes
  • Investor 1 Unit




Always awesome to work with and always my first choice for working with my borrowers!!!

Nuchem F.


I would like to express my gratitude to this awesome team that worked on this loan as well as all other loans we have in the pipeline. Barbara, as always is the best by putting all her efforts to make sure we get the best service with her smile. I am happy we found TPO as a lender and we will definitely do a lot of more business together.

Arvum S.


I have just got my CTC on a loan which was submitted and registered just 7 business days ago. I would not be able to do this without Katie and the team, this loan had a TOE the sellers got calmed down after getting the approval right away and we saved the deal. Keep it up, looking forward to do more business with you!

Jessy P.


Y’all this is awesome. Usually our first submission with a new lender takes longer than we would prefer, this was a welcome surprise before I wrap up for the day. I also appreciate the frequency of communication from your systems – even if they’re automated.

Jay N.


Dear TEAM AWESOME - I just want to take a minute and say THANK YOU! A week ago you gave me the CTC on Kyle’s purchase. We CLOSED Monday and FUNDED on the 9th business day! I would like to add we were ready to close on day 8 but TRID would not let us close until day 9! The whole process was amazing. Sara worked to 8 pm a few times for us. Michael cleared conditions at 7 am. And then again at 7pm. And then Amy our closer- the angel that stayed until past 8pm to issue the CD. I honestly never thought it would go out but when she gives you her word, it means something. Then on the weekend she was doing the closing package!!! I can not say THANK YOU enough and it was great to work with people who like each other and enjoy their work. We appreciate each of you and Kyle moved in today so he is forever grateful!!! Until the next one!



Teamwork definitely makes dreams work! I’m so thankful for this great team! Y’all are rockstars and what you do makes a difference in peoples’ lives! This family will forever remember what you did for them!

Andy P.


These guys make a great team! Really love how hard they work and how quick they are! They are some of the best in the biz and you are lucky to have them!!

Rich M.


Mitch and barb and lisa are the best 3 people we deal with at all the lenders we work with they are always there to help and fix anything needed. Thanks!



Really really appreciate the amazing teamwork done to save this veteran! I think I’ve closed a little over 1600 loans in my 6 years of being an LO and this was the fastest and smoothest rush I’ve ever seen! I’m really proud to get to work with people who care about our veterans so much and are so professional at their job! Huge kudos to everyone!

Connie G


I must say I am truly grateful for the team you have put together for us. Whenever I need help or an answer on a loan you all are prompt to respond. The process from beginning to end on my loans so far has been a true pleasure. You all make my job easier! So thank you all for your hard work and assistance getting these deals done painlessly.