Comprehensive Loan Solutions
Our Loan Programs
Explore our comprehensive range of mortgage solutions designed to meet your unique financing needs. From first-time homebuyers to seasoned investors, we have the right program for you.
31 of 31 programs
Showing 31 of 31 programs
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Purpose
Purchase
Refinance
Construction
Renovation
Reverse
Category
Traditional
Government-Backed
Self-Employed
Construction
Investment
SBA
Foreign National
Conventional Purchase
Purchase
Flexible down payment options starting as low as 3% for strong credit profiles
Can drop private mortgage insurance (PMI) once 20% home equity is reached
Available to finance primary, second, or investment properties with competitive rates
Conventional ARM
Purchase
Provides a lower initial rate compared to fixed-rate loans
Offers adjustable terms like 5/1 or 7/1, ideal for short-term ownership plans
Meets Fannie Mae/Freddie Mac guidelines, ensuring broad availability
Jumbo
Purchase
Enables financing of high-value homes that exceed conforming loan limits
Available with both fixed and adjustable terms
Commonly used for luxury or high-cost market areas
Conventional Renovation
Renovation
Combines purchase or refinance with renovation funds into one loan
Allows you to fund home improvements upfront while managing with one payment
Renovation funds are distributed based on completed work
FHA Purchase
Purchase
Requires as little as 3.5% down
Backed by FHA, offering more flexible qualification
Usable for primary residences only
FHA Streamline Refinance
Refinance
Simplified refinance option for existing FHA borrowers
Typically requires no new appraisal or full income documentation
Designed to lower interest rate or monthly payments
FHA 203(k) Renovation
Renovation
Finances home purchase or refinance plus renovation costs in one loan
Offers Limited (smaller updates) and Standard (major repairs) versions
Funds are held in escrow and released as work is completed
FHA One-Time Close
Construction
Combines construction and permanent FHA financing into one loan
Single closing reduces paperwork and costs
Works for stick-built, modular, or manufactured homes
VA Purchase
Purchase
No down payment required for eligible veterans and service members
No monthly mortgage insurance (PMI)
Caps on closing costs help keep expenses low
VA Refinance IRRRL
Refinance
Streamlined refinance for existing VA loans
Minimal paperwork, often no appraisal required
Designed to reduce interest rate or monthly payment
VA Refinance Cash Out
Refinance
Lets eligible borrowers tap into home equity
Can refinance non-VA loans into a VA-backed loan
Maintains VA benefits like no PMI
VA One-Time Close Construction
Construction
Combines home construction financing with permanent VA loan
One closing simplifies the process
Includes standard VA loan protections
VA Renovation
Renovation
Allows repairs or upgrades financed within a VA loan
Available for purchase or refinance
Maintains VA loan benefits, including no PMI
HELOC
Refinance
Revolving line of credit secured by home equity
Interest applies only to funds drawn
Flexible draw and repayment options
Reverse Mortgage (HECM)
Reverse
Available to homeowners aged 62+
Turns a portion of home equity into cash
No monthly mortgage payments required if taxes and insurance are kept current
USDA Purchase
Purchase
100% financing available for eligible rural and suburban properties
Reduced mortgage insurance costs compared to FHA
Guaranteed by USDA
USDA Refinance
Refinance
Options include Streamlined, Streamlined Assist, and Non-Streamlined
Designed for current USDA borrowers
May reduce monthly payments or rates
Foreign National Purchase
Purchase
Designed for buyers without U.S. credit or income history
Often used for second homes or investment properties
Access to financing without U.S. tax returns
Foreign National Refinance
Refinance
Allows foreign nationals to refinance U.S. properties
Options for rate/term or cash-out
Suitable for investment or second homes
Bank Statement
Purchase
Refinance
Qualify with 12–24 months of personal or business bank statements
Helpful for self-employed borrowers with nontraditional income
Available for primary, second, or investment homes
1099 Income
Purchase
Refinance
Qualify using 1099 forms rather than tax returns
Commonly used by freelancers and contractors
Works for both purchase and refinance
Profit & Loss (P&L)
Purchase
Refinance
Uses a CPA-prepared P&L statement instead of full tax returns
Reflects actual business cash flow
Simplifies income documentation for business owners
Asset Depletion
Purchase
Refinance
Qualify using liquid assets instead of income
Converts assets into an income stream for underwriting
Useful for retirees or high-net-worth borrowers
No-Ratio
Purchase
Refinance
Underwriting does not calculate a traditional debt-to-income ratio
Focuses on assets, reserves, and property value
Option for those with complex or fluctuating incomes
DSCR (Investor Cash Flow)
Purchase
Refinance
Qualification based on property's rental income vs. expenses
No personal income documentation required
Available for purchase, refinance, and cash-out
Fix & Flip
Purchase
Refinance
Short-term financing for property purchase and rehab
Covers both acquisition and renovation costs
Paid off upon property sale
Hard-Money
Purchase
Refinance
Asset-based, short-term loans for unique or time-sensitive deals
Typically faster closing than traditional loans
Common with investors purchasing distressed properties
Ground-Up Construction
Construction
Investment
Funds new builds with staged draw disbursements
Available for residential or investment properties
Converts to permanent financing once complete
Commercial Bank Statement
Purchase
Refinance
Business bank statements used in place of full financials
Alternative income verification for small-balance commercial properties
Supports purchase and refinance
Commercial DSCR
Purchase
Refinance
Evaluates property's net operating income compared to debt payments
Focuses on property cash flow, not business financials
Commonly used for commercial investment properties
Commercial SBA (7a / 504)
Purchase
Refinance
SBA 7(a): versatile financing for business or property acquisition
SBA 504: fixed-rate, long-term financing for owner-occupied real estate
Government-guaranteed programs available through approved lenders
Still Have Questions?
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