Welcome to Broughton’s Refuge

Ready for Your Dream Home?

At Broughton’s Refugue, we’re making mortgages simple for everyone. Apply in as little as 10 minutes.

Welcome to Broughton’s Refuge

Ready for Your Dream Home?

At Broughton’s Refugue, we’re making mortgages simple for everyone. Apply in as little as 10 minutes.

Service with a personal touch.

At Broughton’s Refuge, we believe that finding the right mortgage is more than just a transaction—it’s about building lasting relationships. That’s why we offer more than just great rates; we offer a personalized experience tailored to your needs.

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Donna Richardson, Owner of Broughton’s Refuge

First Time Buyer?

Need help in the home buying journey? You’re not alone. At Broughton’s Refuge, we’re dedicated to making sure you feel confident in your mortgage choices—because we know this is one of the most important milestones in your life. That’s why we’ve crafted a range of resources, tailored to easily guide you through the process.

Found Your Dream Home?

Now Find the
Perfect Loan

Conventional

Conventional loans are versatile loan option simple enough for the first-time homebuyer. The best part? The stronger your financial health, the better rate you may get. If you hit any the points below, this might be the loan for you!

You want to avoid mortgage insurance.
You can afford more than the min. of 3%.
You have reasonably strong credit.
This is a primary, 2nd, or investment home

FHA

FHA loans are built with the first-time homebuyer in mind, but you don’t have to be a first-timer to use them. With low down-payment options, low credit-requirements, and low interest-rates, these programs make it easier to finance a home for just about anyone.  If you agree with any of the below, an FHA loan may be best for you!

You’re a first-time homeowner.
You want to put a small amount down.
You have an okay credit score.
This will be your primary home.

USDA

USDA loans are specifically for homes bought in designated rural areas. With low down-payment options, low credit-requirements, and low interest-rates, USDA loans are great for the first-time or experienced buyer.  If you agree with any of the below, a FHA loan may be best for you!

You’re a first-time homeowner.
You are buying in a rural area.
You’re looking for 100% financing.
You have an okay credit score.
This will be your primary home.

VA

VA loans are for qualified veterans (or those currently serving) and their families. With up to 100% financing available, no mortgage insurance (MI) and competitive rates, these loans are a great benefit for those who have served.  If you agree with any of the below, a VA loan may be best for you!

You’ve served in the armed forces.
You’re looking for up to 100% financing.
You have a decent credit score.
You’re looking to refinance your home.
This will be your primary home.
Found Your Dream Home?

Now Find the
Perfect Loan

Conventional

Conventional loans are versatile loan option simple enough for the first-time homebuyer. The best part? The stronger your financial health, the better rate you may get. If you hit any the points below, this might be the loan for you!

You want to avoid mortgage insurance.
You can afford more than the min. of 3%.
You have reasonably strong credit.
This is a primary, 2nd, or investment home

FHA

FHA loans are built with the first-time homebuyer in mind, but you don’t have to be a first-timer to use them. With low down-payment options, low credit-requirements, and low interest-rates, these programs make it easier to finance a home for just about anyone.  If you agree with any of the below, an FHA loan may be best for you!

You’re a first-time homeowner.
You want to put a small amount down.
You have an okay credit score.
This will be your primary home.

USDA

USDA loans are specifically for homes bought in designated rural areas. With low down-payment options, low credit-requirements, and low interest-rates, USDA loans are great for the first-time or experienced buyer.  If you agree with any of the below, a FHA loan may be best for you!

You’re a first-time homeowner.
You are buying in a rural area.
You’re looking for 100% financing.
You have an okay credit score.
This will be your primary home.

VA

VA loans are for qualified veterans (or those currently serving) and their families. With up to 100% financing available, no mortgage insurance (MI) and competitive rates, these loans are a great benefit for those who have served.  If you agree with any of the below, a VA loan may be best for you!

You’ve served in the armed forces.
You’re looking for up to 100% financing.
You have a decent credit score.
You’re looking to refinance your home.
This will be your primary home.