Conventional
The workhorse of home financing — fixed and adjustable rates, as little as 3% down for first-time buyers, and PMI that drops off once you reach 20% equity.
FHA
Just 3.5% down with credit scores as low as 580, flexible debt-to-income limits, and forgiving guidelines for past credit events. The go-to for first-time buyers.
VA
Zero down, no monthly mortgage insurance, and competitive rates for veterans, active-duty service members, and eligible surviving spouses. You earned this benefit — use it.
USDA
100% financing for homes in eligible rural and suburban areas — no down payment required, reduced mortgage insurance, and income limits that are higher than most people expect.
Jumbo
Financing above conforming loan limits for higher-priced homes, with competitive rates, flexible terms, and options for primary residences, second homes, and investment properties.
DSCR — Investor Loans
Qualify on the property's rental income, not your personal income — no tax returns, no W-2s, no employment verification. Built for investors scaling a rental portfolio, including short-term rentals.
Fix & Flip
Fast, short-term financing for purchase plus rehab — with as little as 0% down for qualified investors. Close in days, fund the renovation, and get to the resale (or refinance into a DSCR loan).
Non-QM
Real financing for borrowers who don't fit the W-2 box. Qualify with 12–24 months of bank statements, a CPA-prepared P&L, 1099s only — or a no-ratio option with no income documentation at all.
Bank StatementP&L OnlyNo Ratio1099 Only
Down Payment Assistance
Grants, forgivable seconds, and low-interest assistance programs that can cover some or all of your down payment and closing costs. Ask us what you qualify for in your state — many buyers are surprised.
Bridge Loans
Buy your next home before your current one sells. A bridge loan unlocks the equity in your existing home so you can make a strong, non-contingent offer — then pay it off at closing.
Commercial
Financing for mixed-use, multifamily (5+ units), retail, office, and owner-occupied business properties. Purchase, refinance, and cash-out options sized to the deal.
Refinancing
Lower your rate, shorten your term, drop mortgage insurance, or pull cash out for renovations and debt consolidation. We'll run the break-even math so you know it's actually worth it.
Program availability, down payment requirements, and terms vary by state, property type, and borrower qualifications. Not sure which fits? Ask a loan officer — it's what we do.
