Loan Programs for Every Situation
With access to 120 lenders, we match you with the right program — not the only one a bank has.
Conventional Loans
Conventional loans are the most common type of mortgage, not backed by a government agency. They offer competitive rates and flexible terms for borrowers with good credit and stable income.
Who it's for
Borrowers with good credit (typically 620+), stable employment, and a down payment of at least 3-5%. Ideal for primary residences, second homes, and investment properties.
Key Features
- Down payments as low as 3%
- Fixed and adjustable rate options
- Loan amounts up to conforming limits
- No upfront mortgage insurance with 20% down
- Available for primary, second home, and investment
FHA Loans
FHA loans are insured by the Federal Housing Administration and designed to help first-time homebuyers and those with less-than-perfect credit achieve homeownership with lower down payments.
Who it's for
First-time homebuyers, borrowers with lower credit scores (580+ with 3.5% down), and those with limited savings for a down payment.
Key Features
- Down payments as low as 3.5%
- Credit scores from 580 accepted
- Competitive interest rates
- Assumable loans
- Gift funds allowed for down payment
VA Loans
VA loans are guaranteed by the U.S. Department of Veterans Affairs, offering exceptional benefits to eligible veterans, active-duty service members, and surviving spouses.
Who it's for
Veterans, active-duty military, National Guard members, reservists, and eligible surviving spouses.
Key Features
- Zero down payment required
- No private mortgage insurance
- Competitive interest rates
- Limited closing costs
- Assumable by future buyers
Jumbo Loans
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac, enabling financing for high-value and luxury properties.
Who it's for
Borrowers purchasing homes above the conforming loan limit in their area, typically luxury buyers and high-net-worth individuals.
Key Features
- Finance luxury and high-value properties
- Fixed and adjustable rate options
- Competitive rates from multiple jumbo lenders
- Flexible underwriting for strong borrowers
- Available for primary and second homes
DSCR / Investor Loans
Debt Service Coverage Ratio (DSCR) loans qualify borrowers based on the rental income of the investment property rather than personal income — perfect for real estate investors.
Who it's for
Real estate investors, landlords, and self-employed borrowers who want to expand their portfolio without traditional income documentation.
Key Features
- No personal income verification required
- Qualify based on property rental income
- Purchase or refinance investment properties
- Multiple properties allowed
- Competitive investor rates
Fix & Flip Loans
Short-term financing designed for real estate investors who purchase, renovate, and resell properties for profit.
Who it's for
Experienced and new real estate investors looking to purchase distressed or undervalued properties, renovate them, and sell quickly.
Key Features
- Fast funding — often within days
- Finance purchase and renovation costs
- Interest-only payment options
- Terms typically 6-18 months
- Based on after-repair value (ARV)
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans offer flexible underwriting for borrowers who don't fit traditional lending guidelines — including self-employed professionals and those with unique income situations.
Who it's for
Self-employed borrowers, business owners, retirees, foreign nationals, and anyone with non-traditional income documentation.
Key Features
- Bank statement programs available
- Asset depletion options
- No tax return requirements
- Flexible credit guidelines
- Interest-only payment options
Reverse Mortgages
Reverse mortgages allow homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments, while retaining ownership of their home.
Who it's for
Homeowners 62 years or older who want to access their home equity for retirement income, healthcare costs, or other needs.
Key Features
- No monthly mortgage payments required
- Remain in your home
- Multiple disbursement options
- FHA-insured HECM programs available
- Non-recourse loan protection
Refinancing
Refinancing replaces your existing mortgage with a new one — whether to lower your rate, change your term, or access your home's equity through a cash-out refinance.
Who it's for
Homeowners looking to reduce monthly payments, pay off their mortgage faster, or tap into home equity for renovations, debt consolidation, or other goals.
Key Features
- Rate and term refinance options
- Cash-out refinance up to 80% LTV
- Streamline refinance for FHA and VA
- Shop 120 lenders for best rate
- One credit pull to compare options
Home Equity / HELOC
A Home Equity Line of Credit (HELOC) gives you flexible access to your home's equity — draw funds as needed for renovations, investments, or emergencies.
Who it's for
Homeowners with significant equity who want flexible access to funds without refinancing their entire mortgage.
Key Features
- Draw funds as needed
- Pay interest only on amount used
- Competitive variable rates
- Use for any purpose
- Keep your existing first mortgage
Not sure which program fits?
Let us help you find the right loan for your situation.
Text us → (626) 348-6426