Jacob Reppart | Mortgage Loan Officer
Jacob Reppart · NMLS #1800805

Let's start your home journey

Personal guidance through every step of financing your home, from your first conversation to closing day.

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Where to begin

Find a path that fits

Whether it's your first home or your fifth, I'll help you understand what you qualify for and find a loan that fits your budget and your timeline, not the other way around.

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If rates have shifted or your goals have changed, refinancing could lower your payment, shorten your term, or help you tap into your home's equity. Let's see if it makes sense for you.

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The down payment is often the biggest hurdle, not the only one. I'll walk you through grants, forgivable loans, and assistance programs you may qualify for in your area.

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Loan programs

Financing options built around you

Conventional
A standard loan not backed by a government agency, often the best fit for buyers with solid credit and steady income.
  • As little as 3% down
  • 620+ credit score typical
  • Fixed or adjustable terms
FHA
Backed by the Federal Housing Administration, designed for buyers with limited savings or a shorter credit history.
  • 3.5% minimum down payment
  • 580+ credit score typical
  • Flexible debt-to-income ratios
VA
Exclusively for eligible veterans, active-duty service members, and surviving spouses, with some of the strongest terms available.
  • 0% down payment available
  • No private mortgage insurance
  • Valid Certificate of Eligibility
USDA
Supports homebuyers in eligible rural and suburban areas with low- to moderate-income, backed by the USDA.
  • 0% down payment available
  • Property must be in eligible area
  • Income limits apply
Down Payment Assistance
Grants and forgivable second loans that can cover part or all of your down payment and closing costs.
  • Often pairs with FHA or conventional
  • Income & location restrictions vary
  • May not require repayment
First-Time Home Buyer
Special rates, reduced fees, and education programs reserved for buyers purchasing their first home.
  • Reduced down payment options
  • Homebuyer education may be required
  • Often combinable with DPA

Not sure which one fits? Let's find out together.

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Jacob Reppart
Mortgage Loan Officer

Straightforward guidance and steady communication from your first question through closing day. Let's find the right loan for your next chapter.

Phone (615) 241-0715
Email contact@JacobReppart.com
NMLS ID 1800805
Office Hours Mon–Fri, 9am–6pm
Equal Housing Lender. This is not a commitment to lend. Programs and terms subject to credit approval and may vary.
Jacob Reppart · NMLS #1800805 · All loan programs subject to borrower qualification, credit approval, and underwriting guidelines. Rates and terms not guaranteed.