Bill Thornton - NMLS# 37647

08/13/2026

Still think you need 20% down to buy a home? That's a myth that keeps a lot of great buyers on the sidelines. There are more low- and no-down-payment programs out there than most people realize. Let's find the one that fits you.
Connect with a local professional today: www.nationslending.com/search

04/01/2026

I am excited to introduce a brand-new Non-QM loan program that solves one of the most common challenges buyers face: they have equity in one property but not enough liquidity to finance another.

Here's How It Works:

This program allows two properties to secure a single mortgage loan obligation simultaneously. That means you can leverage the available equity in an existing property to finance up to 100% of a new purchase or refinance - without needing to tap savings or wait for a sale.

Who will qualify for this program:

Loan Amounts: $50K to $3M
DTI: Up to 60%
Tradeline Requirements: None
Documentation: Full or Alt
Credit Score: 640 minimum
LTV: up to 85% on 1st liens | Combined LTV: up to 75% on 2nd liens
ITIN & SSN eligible
Interest Rate: Fixed

Note: This program is not available in Texas.

Eligible Property Types:

Eligible property types include single family, multi-family, condo/townhome (including non-warrantable), barndominium, vacant land, mobile on owned land, and investment properties (1-4 units).

03/02/2026

02/26/2026

Always eager to help our Veterans!

12/23/2024

This holiday season may your homes be filled with joy and your hearts overflow with the blessings of the season, as you make magical memories with your families and laugh with friends.

From our family to yours -- Happy Holidays from Nations Lending!

06/20/2024

💰Thinking about a Cashout Refinance?
Wave goodbye to high-interest debts! Consolidate into one possibly lower-interest payment. Save on interest and manage debts smarter.

Unlock your home's potential and streamline your finances with a Cashout Refinance! 🏠

06/04/2024

Here at NLC Loans, we're breaking down barriers to homeownership with our range of Down Payment Assistance programs! 🌟 Say goodbye to worries about hefty down payments and hello to your dream home. Let us help you take the first step toward making your homeownership dreams a reality.

06/04/2024

💰 Considering a Cash-Out Refinance?
Unlock your home's equity for upgrades. You may save big on interest payments with possible lower interest rates compared to credit cards.

Tap into your home's potential and simplify your finances with a cash-out refinance! 🏠

05/28/2024

Struggling to keep up with credit card bills? Let us help you ease your burden on your budget with a Cashout Refinance! 💸🔄 By tapping into the equity in your home, you can consolidate high-interest credit card debt into one manageable, monthly payment. Say goodbye to juggling multiple bills and hello to financial simplicity!

05/27/2024

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our nation. Their courage and sacrifice remind us of the true meaning of freedom. This Memorial Day, NLC Loans pays tribute to our fallen heroes. As we reflect on their service, let's also cherish the freedoms they protected. Wishing everyone a safe and meaningful Memorial Day.