Larry Latham
Mortgage Loan Originator
City First Mortgage
(903) 736-2839larry.latham@city1st.comWhat’s It Like
Working With Me?
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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4 Easy Steps.
Applying online takes just a few minutes through a secure digital process. Click the button below to get started, and your loan officer will follow up to walk you through the next steps.
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Application
Approval
Verification
Closing
How to Get Approved
Pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Find Your Home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Submit Your Loan Application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
Underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
More About Us
Our Vision
To be the first call in every community we serve, trusted for straight answers and a lending process that respects your time.
Our Culture
We work as one team. Loan officers, processors, and underwriters stay connected so your file keeps moving and you always know where it stands.
Our Values
Honesty in every conversation, accuracy in every document, and respect for the people trusting us with the largest purchase of their lives.
Loan Programs to Fit
all Homeownership Dreams
Follows standard guidelines, designed for qualified borrowers with flexible terms.
Conventional Loans
Popular option. Flexible terms.
Government-backed with lower down payments, helping more buyers qualify for a home.
FHA Loan
Low down payment. Easier approval.
Exclusive to veterans and military members, offering reduced upfront costs and flexible qualification.
VA Loan
Veteran benefit. Flexible terms.
Affordable financing designed for eligible buyers in rural and suburban areas.
USDA Loan
Rural homes. Affordable paths.
Covers higher-priced homes that exceed conventional loan limits with flexible options.
Jumbo Loans
Large loans. Higher limits.
First-time buyers have access to programs combining low down payments, reduced mortgage insurance, and state and local down payment assistance.
First-Time Homebuyer Programs
Down payment assistance and low-down-payment options for new buyers
A stable interest rate with predictable payments over the life of the mortgage.
Fixed Rate Mortgage
Consistent rate. Predictable payments.
Starts with a lower rate that adjusts over time with market conditions.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Refinancing replaces your existing mortgage with a new loan to lower your rate, shorten your term, switch loan type, or extract cash from your equity.
Refinance
Lower your rate, change your term, or tap equity
Access home equity through a revolving line of credit with flexible use.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Finances home improvements, allowing repairs and upgrades within your mortgage.
Renovation Loan
Finance upgrades. Simple process.
Provides funding to build a new home, covering costs from start to finish.
Construction Loans
Build new. Full funding.
Financing for a vacation home or getaway, with flexible options available.
Second Home Loan
Vacation home. Flexible options.
Turns home equity into cash, designed for seniors with no monthly payments.
Reverse Mortgage
Convert equity. No payments.
Designed for rental homes, making it easier to purchase or refinance investments.
Investment Property Loan
Rental purchase. Refinance options.
Debt service coverage ratio loans qualify the property, not your paycheck. If the rent supports the payment, the deal can work, with no personal income documentation required. Available through our wholesale lending network.
DSCR Loans
Investment property financing based on rental income
A Non-QM option for self-employed borrowers and business owners whose tax returns understate their true cash flow. Income is calculated from 12 or 24 months of bank statements. Available through our wholesale lending network.
Bank Statement Loans
Qualify with your bank deposits instead of tax returns
Qualify using 1099 forms and contractor income history instead of full tax returns. A streamlined Non-QM path for gig workers, commissioned professionals, and independent contractors. Available through our wholesale lending network.
1099 Income Loans
Home financing built for independent contractors
Asset depletion and asset qualifier programs convert savings, investments, and retirement funds into qualifying income. A strong fit for retirees and high-net-worth borrowers with substantial balance sheets and modest paper income. Available through our wholesale lending network.
Asset-Based Loans
Turn your portfolio into qualifying income
Borrowers with an Individual Taxpayer Identification Number can finance a home using alternative credit and documentation standards. Available through our wholesale lending network.
ITIN Loans
Homeownership without a Social Security number
Financing for non-U.S. citizens purchasing or refinancing property in the United States, with no U.S. credit history required. Available through our wholesale lending network.
Foreign National Loans
U.S. property financing for non-resident buyers
Beyond residential, City First arranges financing for commercial real estate including multifamily, mixed-use, retail, office, and industrial properties through our wholesale and correspondent lending network.
Commercial Lending
Financing for commercial and multifamily real estate