Qualifying for a Loan Can Be Easy

Get get a mortgage loan the way you want it. Find out what you could get by pre-qualifying now.

Getting Started Is Easy

Whether you’re a first-time homebuyer or you’re ready to move up in the world, we’ll walk you through your options.

Our Loan Programs

Whether you’re a first-time homebuyer or you’re ready to move up in the world, we’ll walk you through your options.

Conventional Loans

If you've got great credit, we've got a great rate for you! Choose from 15 or 30 year fixed-rate loans.

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VA Loans

Active duty & retired veterans may qualify for low down payments, flexible guidelines & great rates!

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FHA Loans

Great for first time homebuyers & those with limited credit, FHA offers flexible guidelines.

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Rural Development

You might be surprised what qualifies as "Rural" property around the metro Memphis area!

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DPA Loans

Find out about Down Payment Assistance Programs which may help.

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Mortgage Calculator

Use our free mortgage calculator to estimate your monthly mortgage payment.

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Memphis Mortgage Lending

If you're thinking about buying a home or already started the process, you've come to the right place!

The Karlton Govan Lending Team has the lending products you need and the service you want to make sure your mortgage goes as smoothly as possible!

We are local, Memphis based lenders who understand the area and are committed to being part of the community.

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