Our most popular loan for borrowers who qualify. Conventional loans offer more flexibility and options, but typically require a higher credit score and down payment.
For high-value properties, Jumbo loans typically require stricter credit and income qualifications.
A government-backed mortgage for low- to moderate-income borrowers in eligible rural and suburban areas, offering no down payment and competitive interest rates.
NMLS #1814272
As a dedicated mortgage loan advisor, Alan is passionate about helping his community achieve the ultimate dream of homeownership. With a focus on education and financial empowerment, he works with clients every step of the way, ensuring they are well informed and set up for long-term success. His mission is not only to guide clients through the mortgage process but also to help them build a solid foundation for financial freedom.
Alan understands the importance of homeownership, and as a husband and father of two, he values family, trust, and relationships. He is committed to supporting his clients with the same care and attention he gives to his own loved ones. Whether they are first-time homebuyers or looking to refinance, Alan is here to provide expert advice and help them achieve their goals with confidence.
| Loan Type | Min. Down Payment | Credit Score Requirement | Loan Limit | Primary Use | Mortgage Insurance Required | Unique Features |
|---|---|---|---|---|---|---|
| Conventional | 3%-20% | 600+ | Conforming limits | Primary, secondary, investment | If less than 20% down | Flexible terms, various loan types |
| Jumbo | 10%-20% | 660+ | Exceeds conforming limits | High-value properties | No | Stricter qualifications for high-value homes |
| FHA | 3.50% | 540+ or 580+ manual |
FHA limits by county | Primary residences | Yes | Low down payment, flexible credit |
| VA | 0% | 540+ or 580+ manual |
VA limits by entitlement | Veterans, service members | No | No down payment, no PMI |
| USDA | 0% | 640+ | USDA limits by area | Rural properties | No | No down payment, rural eligibility |
| HELOC | Varies | Good to Excellent | Varies by equity | Equity access | No | Revolving credit line based on home equity |
| DPA | Varies | Varies | Varies | Down payment assistance | No | Assists with down payments |
| DSCR | Varies | Varies | Varies by property income | Investment properties | No | Focus on rental income for qualification |
| Bank Statement | Varies | 600+ | Varies | Self-employed borrowers | No | Income verified through bank statements |
| Construction | Typically 20% | Good to Excellent | Varies by project | Home construction | No | Covers cost of building new homes |
Senior Loan Originator – Outside Sales
(972) 369-2531
alan@radiantmortgage.com
5345 Towne Square Dr, Ste 260
Plano, TX 75024
We know a thing or two about the mortgage business. Above all else, we know that better listeners create better mortgages. At Radiant Mortgage we listen to you, your dreams, worries, desires, finances, goals – all of it. This is how we develop a mortgage tailored to your needs and your dreams, one that outperforms all others.