Our Loan Programs
We offer Conventional, FHA, VA, Non-Conforming and Private Money loans.
Conventional
Conventional loans are the most common in the mortgage industry. They’re funded by retail and wholesale lenders and then sold to government-sponsored enterprises like Fannie Mae and Freddie Mac.
FHA
An FHA loan is a mortgage insured by the Federal Housing Administration. Allowing down payments as low as 3.5% with a 580 FICO, FHA loans are helpful for buyers with limited savings or lower credit scores.
VA
A VA loan is a $0-down mortgage option funded by lenders and partially backed, or guaranteed, by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage.
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Byron Goates Knows the Loan Industry
Byron Goates is the founder and has been in the mortgage industry since 1996. He believes that if you work hard and take care of your customers and treat them fairly, there is no need to advertise; word of mouth will keep the business growing.
Contact him today!What Our Clients Say About Us
We just bought our first house Byron made the experience as stress-free as possible. We initially started the process with a different lender and after way too much hassle and poor communication we switched to Byron and it was a night and day difference! We will definitely recommend integrity first financial to everyone we know!
-Trew P.
We have used Byron several times for a home loan and a refinance. He has been helpful and knowledgeable during the process, and very easy to work with. I highly recommend him.
-John B.
Byron is great!!! We were looking at purchasing a home prior to selling our previous one. We needed to bring in the strongest offer with the quickest closing possible. Byron was able make this happen and we closed in near record time. If it wasn't for him I know we would have missed out on a once in a lifetime opportunity. His professionalism and attention to detail gives Byron the edge over his competition. THANKS!
-Jake W.
Byron worked hard to get the best deal possible on the mortgage for our new home. I compared him with multiple lenders and no one could beat him.
-Cody C.
Byron was amazing! We had a very complicated need and he explained every step of the way. After other home purchases with specific lenders this was our first experience with a mortgage broker and we will never go back.
-Melonie F.
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