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 #1485075
Tyler has been in the industry for 9 years and enjoys the constant challenges and resistance the industry brings. The challenges that come with this industry are filled with extremely exciting moments of first-time home buyers, relocations, investing opportunities, and simply the joy of home ownership.
Tyler grew up in the state of Washington and moved to Utah to play college baseball at Dixie State University 14 years ago. While attending school, he met his amazingly talented and beautiful spouse who now have 3 children together. He resides in St. George, UT with his family because of the incredible weather and outdoor opportunities.
Tyler enjoys the opportunity for a good conversation whether on the phone, playing golf, exercising, or over a good meal. These have always been hobbies of his alongside real estate and reading a good book.
Tyler is ready to assist in any homebuying needs and enjoys the challenge of finding the best program suited to your financial and real estate goals.
| 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 |
Producing Branch Manager
(360) 318-5833
tslesk@goldstarfinancial.com
20 N Main St
Suite 205
St. George, UT 84770
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.