Loan Options
The right loan for where you're headed.
Here's a quick look at what's available. On a call, I'll narrow it down to the two or three that fit you best.
Buying a home
Conventional
Strong-credit option with as little as 3% down. No PMI at 20% down.
FHA
Flexible credit and 3.5% down. A favorite for first-time buyers.
VA
Zero down and no PMI for veterans, service members and eligible spouses.
USDA
Zero down in eligible rural and suburban areas, with income limits.
Jumbo
For loan amounts above the 2026 conforming limit of $832,750 in most areas.
Manufactured
Financing for manufactured and mobile homes.
One Time Close Construction
Build your home with one closing that converts to a permanent mortgage.
Self-employed and non-traditional income
Bank Statement
Qualify on bank deposits instead of tax returns.
Profit and Loss
Qualify with P&L statements instead of tax returns.
ITIN
Homeownership for borrowers with an ITIN instead of a Social Security number.
Investors
DSCR
Qualify on the property's cash flow, not your personal income.
Fix and Flip
Short-term financing for purchase and rehab, built for quick closings.
Fix and Hold
Buy, renovate and rent, with a path to long-term financing.
Ground Up Construction
Build new investment properties with draws tied to milestones.
Refinance and home equity
Rate and Term Refinance
Lower your rate or change your term without taking cash out.
Cash Out Refinance
Refinance for more than you owe and take the difference in cash.
HELOC
A credit line on your equity. Borrow what you need, when you need it.
HELOAN
A fixed-rate lump sum from your equity with predictable payments.