Loan Programs
Financing for every situation
Not sure which loan fits? From the mainstream programs to the niche ones other lenders don't offer, here's what each one actually does for you, in plain English.
No Down Payment for Military Families
Active-duty service members, veterans, and some spouses can buy with $0 down and no mortgage insurance.
FHA LoanEasier to Qualify For
A lower credit score and a smaller down payment are OK. A common choice for first-time buyers.
Conventional LoanThe Standard Option
For buyers with solid credit and some savings. Usually the lowest-cost choice if you qualify.
USDA LoanNo Down Payment Outside the City
$0 down in eligible small towns and suburbs, more areas than most people expect.
Jumbo LoanFor Higher-Priced Homes
When a home costs more than a standard loan covers, this is built for it.
RefinancingTrade In Your Current Loan
Lower your rate, change your term, or turn your equity into cash.
Commercial LoanFinancing for Buildings That Make Money
Office buildings, retail space, warehouses, and larger apartment buildings all need their own kind of financing.
Construction LoanFinancing to Build, Not Just Buy
Building a home from the ground up needs a different kind of loan than buying one that already exists.
Land LoanFinancing for Land, Not Just Homes
Raw land, a buildable lot, or acreage you just want to hunt, camp, or ride on. There's a loan for that.
Doctor LoanBuilt for Big Student Debt and Bigger Potential
A newer physician or dentist can carry significant student loans and still buy sooner than a standard loan would allow.
Renovation LoanBuy the Fixer-Upper and Fund the Fix
One loan covers both the home purchase and the renovation, so you're not juggling two separate loans.
DSCR LoanQualify on the Property, Not Your Paycheck
The rental income the property brings in can qualify the loan, even if your personal income doesn't fit a typical file.
Asset Depletion LoanLet Your Savings Do the Talking
For borrowers with strong assets but income that doesn't tell the full story on paper.
Fix & Flip LoanMove Fast on the Next Flip
Short-term, asset-based financing built for investors who need to close quickly and move even faster.
HELOCA Credit Line Backed by Your Home
Borrow against the equity you've already built, and only pay interest on what you actually use.
Manufactured Home LoanFinancing Built for Manufactured Housing
Manufactured and mobile homes have their own financing path, and it's more available than most people think.
Second Home LoanFinancing for the Place You Escape To
A vacation home is financed differently than a rental property, and usually more favorably.
Multi-Family LoanLive in One Unit, Rent Out the Rest
A 2-4 unit property can still qualify for a residential loan, with rental income helping you get there.
Non-Warrantable Condo LoanWhen the Condo Doesn't Fit the Standard Box
A condo building with too many rentals or an unusual setup can still be financed, just through a different path.
Reverse MortgageTurn Home Equity Into Income, Without a Monthly Payment
For homeowners 62 and older, a reverse mortgage lets home equity work for you in retirement.
Foreign National LoanFinancing for Buyers Without U.S. Credit History
Not a U.S. citizen or resident? There's still a real path to financing U.S. property.
ITIN LoanHomeownership Without a Social Security Number
If you file taxes with an ITIN instead of a Social Security number, there's still a real mortgage path.
Bank Statement LoanWhen Your Tax Return Doesn't Show Your Real Income
Business owners and freelancers can qualify using bank statements or a profit and loss, not just a tax return.