Schedule an Appointment
Ready to take control of your finances with a payday loan? Schedule an appointment with our experienced loan specialists to explore your options and find the solution that best fits your needs. Whether you're looking to apply for a new loan, discuss repayment plans, or seek financial advice, our team is here to help. Booking an appointment ensures personalized attention and allows us to address your concerns efficiently. Take the first step towards financial stability by scheduling your appointment today.
Testimonials
10/10 experience!
They were able to get all of the backend work done and got me into a house with no difficulties quickly! I will 100% use them again for the next time I move. Jerry and Troy are extremely knowledgeable and knew exactly which questions to ask to find me the best rates and grants!
JOHN R.
I can’t recommend Jessie at highly enough! After struggling to get responses from other loan officers, he went above and beyond to help me secure my loan. As a veteran, he truly understands the importance of supporting his fellow service members, and it shows in his dedication and expertise. Jessie not only found me the best rates possible, but he also had an incredible team behind him that made the entire process seamless and stress-free. Thanks to their hard work, I saved a significant amount of money. If you’re looking for a knowledgeable, supportive, and reliable loan officer, look no further than Jessie at New Point Lending. He’s a true gem in the industry!
Dallin
Frequently Asked Questions
What’s the difference between being pre-qualified and pre-approved?
Pre-qualification is a quick estimate based on the info you provide. Pre-approval is more official — we verify your income, credit, and documents so you’re ready to make an offer.
How much do I need for a down payment?
It depends on the loan type. Some loans require as little as 0% (VA & USDA), 3% (Conventional FTHB), or 3.5% (FHA). We’ll help you find the best option based on your situation.
What credit score do I need to buy a home?
Most loan programs start around 580–620. Some will go down to 500, but keep in mind the higher your score, the better your rate. We’ll review your full credit picture and help improve it if needed.
I’m self-employed. Can I still get a mortgage?
Absolutely. We offer loans that use bank statements, assets, or CPA-prepared profit and loss statements instead of tax returns.
Can I buy a vacation home with the same loan I’d use for my main home?
Not quite — vacation (secondary) homes and investment properties have stricter requirements and usually need more money down and higher credit scores.
What’s considered a “primary residence”?
It’s the home you live in most of the year. You’ll usually need to move in within 60 days of closing.
Can I qualify with rental income?
Yes! We can count projected rent or current leases to help boost your income during qualification.
Do I lose ownership with a reverse mortgage?
No — you stay on the title. The loan is repaid when the home is sold or no longer your primary residence.
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