conventional loans
Conventional Loans
Primary, secondary, and investment options with down payments from 3% to 10%, FICO starting at 620, and DTI flexibility up to 45% to 50%.
Program Guide
Loan Program Overview
Compare mortgage options by scenario, eligibility profile, and financial goals.
fha loans
FHA Loans
FHA purchase options with down payments from 3.5%, flexible qualification up to 56% DTI, and FICO minimums starting at 580.
va loans
VA Loans
Eligible veterans and military borrowers can access up to 100% financing, no mortgage insurance, and strong seller concession flexibility.
usda loans
USDA Loans
Zero-down USDA financing for eligible rural and suburban primary residences with household income limits and FICO starting at 620.
jumbo loans
Jumbo Loans
High-value financing with loan amounts up to $3M+, FICO minimums starting near 700, and tailored options for luxury properties.
arm loans
Adjustable-Rate Mortgages (ARMs)
ARM options including 5/1, 5/6, 7/1, 7/6, and 10/6 structures with lower starting payments and defined adjustment caps.
mortgage refinance
Refinance
Rate-and-term and cash-out refinance options to lower payments, adjust term length, or access available home equity.
down payment assistance
Down Payment Assistance
Buyer-assistance pathways that may help eligible borrowers with down payment and closing-cost requirements.
bank statement loans
Bank Statement Loans
Self-employed income qualification using bank statements instead of tax returns, with loan amounts up to $4M and LTV up to 90%.
1099 loans
1099 Loans
Designed for 1099 earners with qualifying income based on 1099 history, with LTV options up to 90% and loan amounts up to $5M.
dscr investor loans
DSCR / Investor Loans
Investment-property lending based on property cash flow rather than personal income, with options for long-term and short-term rental scenarios.
condo loans
Condo Loans
Conventional and FHA condo options for primary, secondary, and investment scenarios with warrantable and select non-warrantable pathways.
construction loans
One-Time Close Construction
One-close construction financing for eligible site-built properties, with Conventional, FHA, and VA structures based on borrower profile.
doctor loans
Doctor Loans
Specialized primary-residence options for eligible medical professionals, including high-LTV structures and no mortgage insurance in many cases.
foreign national loans
Foreign National Loans
Investment-focused options for non-U.S. borrowers seeking to buy or refinance U.S. properties with DSCR-based qualification pathways.
heloc
HELOC
Home equity line options for primary and second homes, with FICO minimums starting near 640 and CLTV ranges typically up to 75%-85%.
second mortgage
Home Equity 2nd Mortgage
Second-lien equity access options up to $500K to tap equity while preserving an existing low first-mortgage rate.
itin mortgage
ITIN Loans
Purchase and refinance pathways for ITIN borrowers with flexible documentation structures and profile-based qualification.