Conventional Loan
Ideal for borrowers with good credit, these loans offer flexible terms and competitive rates with down payments starting at 3% for first-time buyers.

FHA Loan
Perfect for first-time homebuyers or those with less-than-perfect credit, FHA loans allow for as little as 3.5% down and have more lenient credit requirements.

VA Loan
Available to veterans and active military, VA loans offer zero down payment, no PMI, and competitive rates, making homeownership more accessible.

USDA Loan
For rural and suburban homebuyers, USDA loans offer no down payment and lower interest rates for those meeting income requirements.

Jumbo Loan
Used for high-value properties that exceed the conforming loan limits, jumbo loans typically require a higher credit score and a larger down payment.

Cash-Out Refinance
Allows you to access home equity for cash, typically for things like home improvements or debt consolidation, by borrowing more than your current mortgage balance.

ARM Refinance
Switches from a fixed-rate to an adjustable-rate mortgage, offering lower initial rates for those planning to move or refinance again in a few years.

Investor Loans
Designed for real estate investors, these loans are ideal for purchasing rental or investment properties with more flexible terms for portfolio expansion.

DSCR Loan
Focused on property income, this loan type allows real estate investors to qualify based on a property’s debt service coverage ratio, not personal income.

Non-Qualified Mortgage (Non-QM)
For borrowers who don’t meet traditional lending criteria, such as the self-employed, non-QM loans offer flexibility for unique financial situations.

1099 Asset-Based Loan
For self-employed individuals, these loans use 1099 forms and assets rather than W2s to qualify, allowing business owners to secure financing based on cash flow.

ITIN Loan
For non-permanent residents without an SSN, ITIN loans allow immigrants to purchase homes using an Individual Taxpayer Identification Number.

Bank Statement Loan
A loan option for self-employed borrowers, using bank statements to verify income rather than tax returns, ideal for those with irregular income.

Condo Loan
Designed for purchasing condominium units, this loan takes into account shared property ownership and association rules, offering financing for condo buyers.

Land Loan
For purchasing vacant land, these loans typically require a larger down payment and come with higher interest rates due to the increased risk.

ARM Conversion Loan
Allows homeowners to switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for greater stability when interest rates rise.

Reverse Mortgage
Available to homeowners aged 62+, reverse mortgages allow converting home equity into cash with no monthly payments, repaid when the home is sold or the owner moves.