Loan Programs

31 ways to finance a home.

We place loans across 50+ wholesale lenders, so the program fits your situation instead of the other way around.

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Traditional

Conventional, jumbo and equity options for borrowers who qualify the standard way.

4 programs

Conventional Purchase

As little as 3% down for qualifying first-time or income-eligible buyers

Conventional ARM

An initial rate, often lower than a fixed rate, that can adjust after the fixed period

Jumbo

Financing for high-value homes above conforming loan limits

HELOC

A revolving line of credit secured by home equity

Government‑Backed

FHA, VA, USDA and reverse mortgages backed by federal programs.

8 programs

FHA Purchase

As little as 3.5% down with a 580+ score

FHA Streamline Refinance

A simplified refinance for existing FHA borrowers

VA Purchase

No down payment for eligible veterans and service members

VA Refinance IRRRL

A streamlined refinance for existing VA loans

VA Refinance Cash Out

Tap home equity and keep VA benefits

USDA Purchase

100% financing for eligible rural and suburban properties and incomes

USDA Refinance

Streamlined, Streamlined Assist and Non-Streamlined options

Reverse Mortgage (HECM)

For homeowners aged 62 and older

Self‑Employed

Qualify on deposits, profit, 1099s or assets instead of tax returns.

4 programs

Bank Statement

Qualify with 12 to 24 months of personal or business bank statements

1099 Income

Qualify using 1099 forms rather than tax returns

Profit & Loss (P&L)

A CPA-prepared P&L instead of full tax returns

Asset Depletion

Qualify using liquid assets instead of income

Investment

Financing that underwrites the property and the deal, not your W-2.

4 programs

DSCR (Investor Cash Flow)

Qualify on the property's rental income, not your personal income

No-Ratio

Underwriting without a traditional debt-to-income ratio

Fix & Flip

Short-term financing for purchase and rehab

Hard Money

Asset-based, short-term loans for time-sensitive deals

Construction & Renovation

Build new or renovate, with funds released as the work gets done.

6 programs

Conventional Renovation

Purchase or refinance plus renovation funds in one loan

FHA 203(k) Renovation

Home purchase or refinance plus renovation costs in one FHA loan

FHA One-Time Close

Construction and permanent FHA financing in one loan

VA One-Time Close Construction

Build with a permanent VA loan and one closing

VA Renovation

Repairs or upgrades financed within a VA loan

Ground-Up Construction

New builds funded with staged draws

Foreign National

Buy or refinance U.S. property without a U.S. credit history.

2 programs

Foreign National Purchase

For buyers without U.S. credit or income history

Foreign National Refinance

Refinance U.S. property as a foreign national

Commercial & SBA

Financing for commercial and owner-occupied business property.

3 programs

Commercial Bank Statement

Business bank statements in place of full financials

Commercial DSCR

Qualify on the property's net operating income

Commercial SBA 7(a) and 504

SBA-backed financing for business and owner-occupied property

No programs match that combination. Try a different purpose.

Not sure which one fits?

Tell us what you are buying or refinancing. We will match you to the right program and price it across our lenders.

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