Accessible Financing for First-Time Buyers
FHA loans offer a great opportunity for individuals with limited savings or less-than-perfect credit to step into homeownership. With lower down payment requirements and flexible credit guidelines, these government-backed loans are ideal for first-time buyers.
Stability Through Fixed Rates and Predictable Payments
Enjoy peace of mind with fixed-rate FHA mortgages, making your monthly payments predictable and easier to budget for. Our team walks you through the entire process to ensure you feel confident and secure in your financing.
Credit Challenges? We’re Still Here for You
Life happens—and at Shannon Leigh Johnston, we understand that. FHA loans are specifically designed to accommodate borrowers with past financial difficulties, offering a second chance at building a brighter future.
Benefits of Choosing an FHA Loan
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Low Down Payment Requirements
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Flexible Credit Guidelines
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Competitive Interest Rates
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Assumable Loan Option
Expert Support from Application to Closing
We help you gather the required documents, understand mortgage insurance costs, and lock in a great rate—all while ensuring the process remains stress-free and supportive every step of the way.
Why Homebuyers Trust Shannon Leigh Johnston for Their Mortgage Needs
At Shannon Leigh Johnston, we’re more than mortgage professionals—we’re dedicated advocates for your financial success. Licensed in Florida, Minnesota, and Wisconsin, we’ve earned the trust of homebuyers by delivering expert advice, personalized solutions, and unmatched client care. From your first consultation to closing day and beyond, our focus is always on you—your needs, your goals, your future.
We are known for
Every borrower is unique—and so are our loan strategies.
From first call to final closing, we provide attentive, one-on-one support.
Long-Term Relationships, Not One-Time Transactions
Solutions for Self-Employed & Non-Traditional Borrowers
"FAQs"
We offer a wide variety of loan options to meet diverse financial needs, including FHA Loans, VA Loans, Conventional Loans, Self-Employed Loans, Reverse Mortgages, and Second Mortgages. We help you choose the right one based on your goals, income, and credit profile.
Getting pre-approved starts with a short application and documentation of your income, assets, and credit. We’ll review everything and issue a pre-approval letter so you can shop for homes confidently and make competitive offers.
Yes! We specialize in helping self-employed borrowers qualify through bank statement or asset-based loan programs. Even without traditional W-2s, we can help structure a loan around your true income.
VA loans offer eligible veterans and active-duty service members benefits like no down payment, no private mortgage insurance (PMI), and competitive interest rates—making homeownership more affordable and accessible.
Pre-qualification gives you a general idea of how much you can borrow based on basic info. Pre-approval is a more in-depth review of your finances and is typically required by sellers to accept your offer seriously.
Licensed Guidance in FL, MN & WI.
Whether you’re buying your first home in Florida or settling down in Minnesota or Wisconsin, our FHA loan expertise ensures a smooth and confident home financing experience in your region.
