Ways We Can Help

We have services for everybody including those with established credit looking to reduce their payments as well as first-time buyers or those with credit or income challenges.

We have an incredible success rate, so reach out today.

Get Your First Mortgage

Are you looking to buy your first house? Congratulations! We understand it can be a little scary, but we will make the process painless and get you the mortgage you need.

Debt Consolidation

We can drastically reduce your interest payments and help you pay off debt faster by consolidating your different that’s into one low interest loan. Contact us today!

Lower Monthly Payments

Is your mortgage up for renewal? Let us get you the lowest possible interest rate reducing your monthly payments or helping you to pay off your mortgage years earlier. Reach out to us today.

Poor Credit

Struggling to rebuild your credit? We can help! We have an exceptionally high approval rate and work with lenders who see you as much more than just a credit report. We can get you approved and we can help you rebuild your credit.

Self Employed

Self-employed and having trouble getting your mortgage? We can help. We have lenders that understand the unique challenges and benefits of being self-employed and that are more than ready to work with you. Reach out to us today.

Medical Doctors

We have a tremendous amount of experience helping medical doctors get the best possible rates on their mortgages. We understand that being a medical doctor presents a unique financial situation. Contact us today to see how we can help.

Need Help With Your Down Payment?

Traditionally the average down payment is 6% and is required to be approved for your mortgage. This could be a very challenging sum of money to save for many.

Thankfully, Horizon Lending Services Has access to programs offering up to and including 100% financing! Reach out to us today to learn more.

Loan Types

Conventional Loans

Conventional loans may be issued by banks, private lenders or credit unions. Conventional loans are not backed by the federal government like FHA…

Bad Credit Mortgage

When someone gets into credit trouble, it’s usually because of an event they had no control over such as an illness or death in the family.

FHA Home Loans

The FHA home loan program is one of the most well-known mortgage programs in the United States. The Federal Housing Authority (FHA) will not lend money…

VA Loans

The VA Loan guarantee program was employed in 1944. This program aided the returning men coming home from war afford a home. This program is still very popular.

Jumbo Loans

A jumbo loan is a home loan greater than the conforming loan ceiling. These ceilings are enforced by the Fannie Mae and Freddie Mac programs.

Bridge Financing

Home owners most often prefer to sell their home before they buy a new house, but this doesn’t always work out as planned. There is a specific type of loan just for this situation.

Reverse Mortgages

A reverse mortgage is a loan for those who are 62 years of age and above. These types of loans are easy to qualify for because there is no credit check or employment verification.


When a home owner  refinances their current loan, they are replacing the current loan with a new refinance mortgage rate, or  combining a second loan into a single loan.

Horizon Lending Services, LLC provides loan processing, appraisal services, and on-site underwriting while going above and beyond to ensure all clients obtain a positive lending experience.

Trouble With Poor Credit Or Unverifiable Income?

Unlike the banks, we have lending options which look at applications on a case-by-case basis. This means we have a very strong success rate getting mortgages for the self-employed with unverifiable income, people who have had credit issues in the past, or Medical doctors.

Is this you? Give us a call today to discuss your options.

Carrie was the best part of the buying process. She went above and beyond. She communicated everything with me every step of the way.
I could not have asked for a better experience.

Laura Palmer

A few weeks ago, I refinanced my home mortgage with the help of Scott and Carrie of Horizon Lending Services, and it went off like a breeze, no hiccups, no excuses they simply put their foot to the peddle and before I knew it things were moving like fence poles on the highway. They were comforting to work with and very honest of my responsibilities to make this loan a success. If you are looking for someone to assist you in refinance do not look any further than Horizon Lending with Scott Simmons and Carrie Bycott, two very honest people that truly deliver …. Thank you to you both

Sharon Roberts

Carrie was my loan officer. Very professional and kind woman. She worked her butt off to get closing done in just a couple of weeks (which is nearly impossible). She was able to beat a competitive deal I was offered and wasted no time on getting the help I needed. I also liked how personable she was and how easy it was to talk to her.

Overall, Horizon was awesome and hopefully if you’re lucky, you’ll get Carrie assigned to you.

Wardir Jemil

Carrie Bycott at Horizon Lending Services was helpful, knowledgeable and professional.I didn’t know how to go about finding someone to help me refinance, so asked a family member for a recommendation. She hooked me up with Carrie and it was a piece of cake from that point forward. Carrie was always there with information and updates. If I had a question she promptly responded and walked me through the whole process. All I had to do was provide some information and it couldn’t have been any easier on my end.
I would absolutely without hesitation recommend Carri Bycott and Horizon Lending Services.

Teresa Collins

Carrie Bycott was amazing to work with and made it very easy for me to understand the process for refinancing our home.
She’s extremely knowledgeable, responsive in her communication and generous with her time in helping to ensure we made a good decision for our family. Would highly recommend!

Alissa Chan

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