Loan Options
The right loan is the one built around you. Every borrower's picture is different — credit, income, timeline, goals. As a brokerage, we match your picture against dozens of lenders' programs and bring you the strongest fits. Here's the menu.
The workhorse of home financing. Conventional loans offer competitive rates for buyers with solid credit, flexible term options, and no upfront mortgage insurance premium. Put 20% down and skip mortgage insurance entirely — or start with as little as 3% down.
Backed by the Federal Housing Administration, FHA loans open the door for buyers with modest savings or imperfect credit. Lower down payment requirements and more forgiving qualification standards make this a first-time buyer favorite.
For those who served, the VA loan is one of the strongest benefits available: zero down payment, no monthly mortgage insurance, and competitive rates. Available to veterans, active-duty service members, and eligible surviving spouses.
When the home you want exceeds conforming loan limits, jumbo financing steps in. We work with lenders who specialize in high-balance loans, structuring terms around your full financial picture — not just a checklist.
Your first home shouldn't require a decade of saving. Between low-down-payment conventional options and FHA, there are more ways in than most buyers realize — and we'll walk you through all of them.
The down payment is the wall between renting and owning — and there are more doors through it than most people know. We have access to many different down payment assistance programs that can help cover your down payment and closing costs, making them perfect for people transitioning from renting to homeownership.
Whether rates have moved, your credit has improved, or you want to put your equity to work, a refinance can reshape your monthly picture. We'll run a clear side-by-side of your current loan versus your options — and tell you honestly if staying put is the better move.
Specialty Programs
Self-employed, paid on 1099, or growing a rental portfolio? These programs qualify you on bank statements, assets, a CPA-prepared profit & loss, or the property's rental income — not your tax returns.
Self-employed? Independent contractor? Writing off every expense you can — like you should? Traditional loans judge you by your tax returns, and that's where great borrowers get told "no." Non-QM lending is where we excel: we can calculate your income using any one of these options, or a combination of them.
We can also secure Non-QM loans in second position — ideal if you have a great rate on your current mortgage and want to pull out additional money to pay off debt, start a project, buy another property, or free up cash for investments, without touching that rate.
Many people assume they can't qualify for loans like this. A conversation is all it takes for us to show you what we can do.
Let's Talk →Building a rental portfolio? DSCR loans qualify you on the property's cash flow rather than your personal income — a powerful tool for investors, with no personal tax returns required. We also finance conventional investment purchases and second homes.
Not Sure Which Fits?
Answer a few questions and we'll match you to the programs you actually qualify for.
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