The right loan depends on your situation: VA for veterans, USDA for eligible rural areas (both zero down), FHA for first-time or credit-building buyers, and conventional for strong credit. Use the quick picker below, then talk to Sam Timlick, NMLS# 2776469, for a real answer. Call 253-431-2630.
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Call or text me at 253-431-2630 and I'll tell you in five minutes which program fits and what it costs.
Sam Timlick · Top Flite Home Loans · NMLS# 2776469 · Equal Housing Lender. This is not a commitment to lend. Estimates are illustrative; your actual terms depend on credit, income, and property qualification.
Explore your loan options
VA Loans
Zero down for veterans and active-duty military, with no monthly PMI.
Learn more →USDA Loans
Zero down for buyers in eligible Tri-Cities areas.
Learn more →FHA Loans
Low 3.5% down and flexible credit — popular with first-time buyers.
Learn more →Conventional Loans
Competitive rates and removable PMI for strong-credit buyers.
Learn more →Book a Free Call
30 minutes, no cost. Get real numbers for your situation.
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