Loan programs

These are categories. The actual menu runs into the thousands.

Every lender I work with carries dozens of programs of its own, and I work with more than a hundred lenders. What you see below are the categories I shop every week, not the full menu. The categories with their own pages go deep on how qualification actually works. For everything else, the fastest path is a phone call: tell me your scenario and I'll tell you what fits, or tell you straight if nothing does.

InvestorDSCR

Qualify an investment property on its rental cash flow instead of your personal income.

Learn how it works → Self-employedBank-Statement

Use 12 to 24 months of real deposits to qualify instead of tax returns.

Learn how it works → FlexibleNon-QM

Common-sense underwriting for borrowers who don't fit the standard agency box.

Learn how it works → High balanceJumbo

Financing above conforming limits through lenders that specialize in larger loans.

Learn how it works → EquityHELOC

Tap your home's equity with a flexible line of credit. Fast, digital options available.

Learn how it works → Purchase & RefiConventional

Low-down-payment and standard conforming loans for primary, second, and investment homes.

Learn how it works → GovernmentFHA

Flexible-credit, low-down-payment financing that fits first-time and returning buyers.

Learn how it works → VeteransVA

Low-down-payment options for eligible veterans and service members, with no monthly mortgage insurance requirement on this program.

Learn how it works → 62+Reverse Mortgage

Convert home equity into cash flow or a line of credit for qualifying homeowners 62+.

Learn how it works → Lower paymentRefinance

Rate-and-term and cash-out refinancing to restructure or pull equity from your home.

Learn how it works → SimplifyDebt Consolidation

Roll high-interest debt into your mortgage to simplify monthly payments. Consolidating may increase the total interest paid over the life of the loan.

Learn how it works →

Program availability, guidelines, and pricing vary by lender and by the state where the property is located, and change without notice. This page is educational, not a credit decision or an offer. Program restrictions apply.