Lotus Home Loans

Krysten Bunn, Broker / Owner at Lotus Home Loans

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dozens of lenders to find the mortgage that fits your life — whether you are buying your first home, upgrading, or refinancing.

Whether you are buying your first home or your fifth, we have the right mortgage solution for you

A simple, guided process from application to keys in hand

Real reviews from real homeowners who trusted with their mortgage journey

"Krysten is incredibly friendly and hard working. She stayed on top of everything and was very transparent throughout the entire process."

— Zillow Review

"Excellent rates! They offered me many financing options and guided me to the best that would fit my individual needs."

— Google Review

"Cool, calm demeanor and straightforward communication made the refinance process so easy. Truly appreciated the personal attention!"

— Satisfied Client

"Krysten is the best! Her dedication to clients and the Lotus team is unmatched. Every step was handled with professionalism."

— David N., Google Review

Your feedback helps other families find their dream homes

Join the families who found their perfect home with help.

Making homeownership feel welcoming and achievable for everyone.

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About

My Promise to You

Let's Work Together

LOAN PROGRAMS

, dedicated to helping families achieve their homeownership dreams with integrity, expertise, and personalized service.

Whether you are a first-time buyer navigating the process for the first time or an experienced investor, you will get guidance tailored to your unique situation.

"I got into the mortgage industry because I believe everyone deserves a fair shot at homeownership. have seen firsthand how the right guidance can transform a stressful process into an exciting milestone. Every family I work with reminds me why I love what I do."

Ready to take the next step? Reach out for a free consultation and personalized rate quote.

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Not Sure Which Loan Is Right?

LOAN PROGRAMS

Explore our range of mortgage solutions designed to fit every need, whether you are buying your first home or refinancing an existing loan.

Schedule a free consultation and will help you find the perfect program.

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FHA Loans

What Are FHA Loans?

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Your Gateway to Homeownership

Achieve your dream of homeownership with as little as 3.5% down. FHA loans offer flexible credit requirements and government backing, making them perfect for first-time homebuyers.

FHA loans are mortgages insured by the Federal Housing Administration, designed to make homeownership more accessible. These government-backed loans offer lower down payments, flexible credit requirements, and are especially beneficial for first-time homebuyers.

Get personalized FHA loan options with no impact to your credit score.

FHA loans have more flexible requirements than conventional loans, making homeownership accessible to more people.

*Subject to AUS Approval. Ratios may vary by lender.

FHA loan limits vary by area. Select a region to see current limits.

Let us help you navigate the FHA loan process and find the perfect home financing solution.

Making homeownership feel welcoming and achievable for everyone.

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VA Loans

What Are VA Loans?

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Thank You for Your Service

LOAN PROGRAMS

For Our Heroes

Honor your service with VA home loans designed for veterans, active military, and eligible spouses. $0 down payment, no PMI, and competitive rates to help you secure the home you have earned.

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs. They are available to eligible veterans, active-duty service members, and surviving spouses. VA loans are one of the most powerful home financing tools available.

Find out if you qualify for VA loan benefits with no obligation.

VA loans have no loan limit for borrowers with full entitlement. County limits apply for those with partial entitlement.

Let us help you use the VA benefits you have earned to find the perfect home.

Making homeownership feel welcoming and achievable for everyone.

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Conventional Loans

What Are Conventional Loans?

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Traditional Financing with Competitive Rates

The most popular mortgage option offering competitive rates, flexible terms, and no government backing required. Ideal for borrowers with good credit and stable income.

Conventional loans are mortgages not insured or guaranteed by a government agency. They are offered by private lenders and typically follow guidelines set by Fannie Mae and Freddie Mac, making them the most common type of home loan.

See if you qualify with no impact to your credit score.

Understanding loan limits helps determine which conventional loan type fits your purchase.

Explore your conventional loan options and find the perfect financing solution for your home.

Making homeownership feel welcoming and achievable for everyone.

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USDA Loans

What Are USDA Loans?

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Check Your Eligibility

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Zero Down Payment Rural Home Loans

Get 100% financing in eligible rural and suburban areas. USDA loans offer zero down payment, low mortgage insurance rates, and flexible credit requirements for moderate-income homebuyers.

USDA loans are government-backed mortgages offered through the U.S. Department of Agriculture Rural Development program. They provide 100% financing for eligible rural and suburban homebuyers with moderate incomes.

See if you qualify with no impact to your credit score.

USDA loans do not have maximum loan amounts, but income limits apply.

Find out if your desired area qualifies for USDA financing. We will help you every step of the way.

Making homeownership feel welcoming and achievable for everyone.

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Jumbo Loans

What Are Jumbo Loans?

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Which Jumbo Program Fits You?

LOAN PROGRAMS

Financing for Luxury & High-Value Properties

Need a mortgage that exceeds conforming loan limits? Jumbo loans provide financing for high-value properties with competitive rates and flexible terms for well-qualified borrowers.

Jumbo loans are mortgages that exceed the conforming loan limits set by the FHFA. These loans are not eligible for purchase by Fannie Mae or Freddie Mac, so they are offered directly by lenders with their own underwriting guidelines.

See if you qualify with no impact to your credit score.

Jumbo loans come in different tiers based on loan amount.

Let our specialists analyze your profile and recommend the best jumbo program for your needs.

Making homeownership feel welcoming and achievable for everyone.

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Client Reviews & Testimonials | Lotus Home Loans

Read real 5-star reviews from homeowners who trusted Krysten Bunn at Lotus Home Loans with their mortgage. Near 100 five-star Google reviews. Share your experience!

Client Reviews

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Real stories from real homeowners who trusted with their mortgage journey. Your satisfaction is our greatest achievement.

" "

Your feedback helps other families discover the personalized mortgage service they deserve. Share your story and help us continue serving our community.

Takes just 2 minutes • Your honest feedback means the world to us

Join the hundreds of families who have trusted us with their mortgage needs.

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