Our Lending Partners have several traditional and non-traditional loan programs available to meet your financing needs.
Traditional Loan Programs:
FHA loan programs down to a 500 Credit Score
VA (Veterans) loan programs down to a 500 Credit Score
Conventional loan program down to a 620 Credit Score
USDA (RD) 100% financing loan program down to a 580 credit score.
Down Payment Assistance Programs
Manufactured Homes OK
Renovation Loans:
FHA 203K Limited and FHA 203k Standard
USDA Renovation Loans
VA renovation Loans
Conventional HomeStyle Renovation Loan
FHA/VA/USDA/Conventional Construction Loans
Self-Employed Loan Prgrams and Other (Non-QM Programs):
12-24 Month Bank Statements (No Tax Returns)
ITIN
Asset Depletion
Foreign National
Second Chance
Non-Warrantable Condo Loans
Land Only
HELOC (Home Equity Line of Credit)
P&L ONLY
Property Investors:
DSCR 1-8 Units Mixed-Used properties OK (no income)
Fix and Flip
Investment Properties up to 80% loan to value
Agent License ID: S-62045Sonya is a proud graduate of Jackson State University with a Bachelor of Science degree. She brings a strong foundation of professionalism, leadership, and service to her career as a REALTOR®. Sonya understands the importance of finding not just a house, but a place to truly call home. Her background in management and human resources across both retail and manufacturing has equipped her with exceptional communication, negotiation, and problem-solving skills that help clients feel confident throughout every step of the real estate process. Outside of work, Sonya enjoys spending time outdoors, soaking up the summer season, and trying new adventures.+1(601) 497-9228 scaffey@edwardsrealtypro.com101 Business Park Drive, Suite G, Ridgeland 39157, USA
