FHA Loans
Ideal for First-Time Buyers
Low 3.5% Down Payment
Credit-Friendly Requirements
Government-Backed for Extra Security
Perfect for: First-time homebuyers, those with lower credit scores, or buyers with limited savings.
Explore FHA LoansSimple, Stress-Free Mortgage Solutions in Springfield, MO
Whether you’re buying your first home or refinancing, Kyle Johnson at Gershman Mortgage is here to guide you. Explore your loan options and take the first step toward homeownership today.
Your Dream Home Starts Here
We’ll match you with the best loan for your financial goals.
Mortgage Options for Every Buyer
No matter your situation, there’s a loan program designed to help you succeed. Learn more about your options below.
VA Loans
A Home Loan for Those Who Served
No Down Payment Required
No PMI (Private Mortgage Insurance)
Exclusive Benefits for Veterans & Active Military
Perfect for: Veterans, active-duty service members, and eligible military spouses.
See VA Loan BenefitsUSDA Loans
Affordable Homeownership in Rural Areas
100% Financing – No Down Payment
Lower Mortgage Insurance Costs
Designed for Rural & Suburban Buyers
Perfect for: Families looking to buy in eligible rural areas with no upfront costs.
Check USDA Loan EligibilityConventional Loans
Flexible & Competitive
Down Payments as Low as 3%
Competitive Interest Rates
No Mortgage Insurance with 20% Down
Perfect for: Buyers with strong credit, stable income, or those purchasing a second home.
Learn About Conventional Loans
Personalized Guidance | Competitive Rates | Local Expertise
A Mortgage Expert Who Puts You First
With years of experience helping homebuyers in Springfield, Kyle Johnson provides tailored mortgage solutions that fit your needs. From first-time buyers to seasoned homeowners, we make the process easy and hassle-free.
How It Works
We make securing a mortgage simple. Here’s what you can expect:
Step 1
Apply & Get Pre-ApprovedTell us about your financial goals and receive a customized loan pre-approval.
Step 2
Find Your Dream HomeWork with your real estate agent to find the perfect property.
Step 3
Secure Your LoanWe’ll handle the paperwork and get you the best mortgage terms.
Step 3
Close & Move InSign the final documents, grab your keys, and start your new chapter!
Start Your Application
Flexible Loan Options for Low-to-Moderate Income Buyers.
Low Down Payment. Big Possibilities.
Looking for an affordable path to homeownership? Home Possible® and HomeReady® loans offer flexible terms with lower down payment options to help make home buying more accessible.
Home Possible® Loan
Great for First-Time & Low-Income Buyers
Perfect for: First-time homebuyers and those with lower incomes looking for an affordable mortgage with flexible guidelines.
Down Payment as Low as 3%
Flexible Income & Credit Requirements
Reduced Mortgage Insurance Costs
Allows Co-Borrowers Who Don’t Live in the Home
Available for Primary Residences
HomeReady® Loan
A Smart Choice for Low-to-Moderate Income Buyers
Perfect for: Buyers who need a lower down payment and want to use alternative income sources to qualify.
3% Down Payment with Flexible Sources (Grants, Gifts, etc.)
Reduced Mortgage Insurance That Can Be Canceled Once 20% Equity is Reached
Allows Rental Income from a Boarder or Roommate to Qualify
More Flexible Credit & Debt-to-Income (DTI) Requirements
Available for Primary Residences
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