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Loan Programs

Tailored mortgage programs designed to fit your unique homebuying needs.

Conventional

A flexible, popular choice for buyers with steady income and credit history. For Primary and Secondary homes. Also great for first-time investors with good credit.

white and red wooden house miniature on brown table
white and red wooden house miniature on brown table
FHA Loans

Ideal for first-time buyers needing lower down payments and easier credit requirements. Primary homes only

Our VA loans provide veterans with competitive rates and no down payment options. Primary homes for Veterans.

VA Loans
black and brown Dachshund standing in box
black and brown Dachshund standing in box
soldiers in brown and green camouflage uniform standing on road during daytime
soldiers in brown and green camouflage uniform standing on road during daytime

Portfolio Investor Programs

Debt Service Coverage Ratio (DSCR) Loans

  • Qualification based on property's income potential rather than borrower income

  • Typically requires DSCR of 1.0 or higher (rental income must cover mortgage payment)

  • Options for both short-term and long-term rental properties

  • Higher down payment requirements (typically 20-25%)

  • May accommodate borrowers with lower credit scores or unique situations

a house and stacks of coins on a table
a house and stacks of coins on a table

Clover Key LLC is a licensed mortgage broker in the State of Missouri. For licensing information, please visit NMLS Consumer Access at: https://www.nmlsconsumeraccess.org

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Phone: 417-337-3083
Email: INFO@cloverkeylending.com

Clover Key LLC dba Clover Key Lending
101 State Drive, Suite 210
Hollister, MO 65672

Company NMLS #2810182