Disclosures

Compliance information

Licensing

Troy Ragland is a licensed mortgage loan originator. Licensing details available on request — see Disclosures. This site is not intended to solicit business in New York.

State licensing information is available on request. Contact us and we will provide the states and license numbers under which loans are originated.

Verify licensing through NMLS Consumer Access.

Loan program disclaimer

Program descriptions are general summaries and are not offers of credit or commitments to lend. Down payment requirements, mortgage insurance, eligibility and available terms vary by loan program, property type, occupancy, credit profile and state, and are determined at underwriting. VA loans require eligibility through the Department of Veterans Affairs. USDA loans require the property to be in an eligible rural area and are subject to household income limits. Not all borrowers will qualify for zero-down or no-PMI options. Contact Troy Ragland for details specific to your situation.

Equal Housing Opportunity

Equal Housing Opportunity

We do business in accordance with federal fair lending laws and do not discriminate on any basis prohibited by law.

No government affiliation

This site is not affiliated with or endorsed by any government agency, including the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), or the U.S. Department of Agriculture (USDA).

Testimonials

Testimonials reflect the individual experiences of past clients. They are not a guarantee that anyone will obtain the same or similar results.