Pick the loan that sounds like you. Each one shows what it is, who it is for and the exact documents to gather.
Not sure which one? Skip to the 2-minute start ↓
Veterans and Military
VA Home Loan
What it is: A home loan backed by the VA. $0 down and no monthly mortgage insurance.
Who it is for: Veterans, active duty, Guard and Reserve, and some surviving spouses. No minimum credit score.
See What You Need →VA Refinance
What it is: Lower your rate with a VA streamline, or take cash out of your home.
Who it is for: Veterans who already own a home, with a VA loan or any other loan.
See What You Need →Buying a Home
First-Time Buyer
What it is: Low or $0 down loans, plus help paying your down payment.
Who it is for: People buying their first home, or who have not owned one in the last 3 years.
See What You Need →FHA Loan
What it is: A government-backed loan with 3.5% down.
Who it is for: Buyers whose credit is not perfect.
See What You Need →USDA Loan
What it is: A government-backed loan with $0 down.
Who it is for: Buyers in eligible towns outside big cities, under the household income limit.
See What You Need →Conventional and Jumbo
What it is: The most common home loan. Jumbo is the same idea for bigger loans.
Who it is for: Buyers with good credit, and loans over $832,750.
See What You Need →Physician Loan
What it is: Up to 100% financing with no mortgage insurance.
Who it is for: Doctors, dentists, pharmacists, vets and nurse practitioners, even before the new job starts.
See What You Need →Self-Employed
Bank Statement Loan
What it is: Your bank deposits prove your income. No tax returns.
Who it is for: Business owners whose write-offs make their income look small.
See What You Need →1099 Loan
What it is: Your 1099s prove your income. We count all of it, before expenses.
Who it is for: Contractors and anyone paid on a 1099.
See What You Need →P&L Loan
What it is: A profit and loss statement from your CPA or tax preparer proves your income.
Who it is for: Business owners who own at least half the business.
See What You Need →Asset-Based Loan
What it is: Your savings and investments count as income. No job needed.
Who it is for: Retirees and people with more savings than paychecks.
See What You Need →Investors
DSCR Loan
What it is: The rent qualifies the loan. Your income is not used.
Who it is for: People buying or refinancing rental homes.
See What You Need →Home Equity
Lightning Equity HELOC
What it is: A fast line of credit on your home. Apply in about 2 minutes.
Who it is for: Homeowners who want cash without giving up their low first mortgage rate.
See What You Need →Flex Equity HELOC
What it is: A line of credit with a rate that can be fixed for life.
Who it is for: Homeowners who need tax-return income, a first-lien line or up to 90% of the home’s value.
See What You Need →Not Sure Which One? Start Here.
Tell me your goal below. I will match you to the right loan.
Tell me a little about your goal. It takes about 2 minutes, and there is no credit pull. I review every request personally and reach out within one business day.
What Happens After You Hit Submit
1. It comes straight to me
Not a call center, not a lead marketplace, and not five lenders bidding for your file. Your request goes to our team and stays there.
2. You hear back within one business day
If you send it over a weekend or a holiday, that clock starts the next business day. You get a real answer, not an auto-responder.
3. Nothing happens to your credit yet
This form is not a credit application. When we move to a preapproval, that starts with a soft pull, and we tell you before anything changes.
What You Need To Start
Almost nothing. That is deliberate. Most lenders front-load paperwork before they will tell you anything useful. We would rather look at your situation first and ask for documents once we know what actually matters.
No documents
No pay stubs, no tax returns, no bank statements to send a message. If your file needs them later, we will tell you exactly which ones and why.
No Social Security number
You do not enter an SSN to start a conversation with us.
No credit pull
Not a hard inquiry, not a soft one, not at this stage.
Just the goal
Buying, refinancing, or pulling equity. Roughly where, roughly when, and anything you already know is complicated about your file. That is enough to give you a straight answer.
Who This Is For
Veterans and active duty using VA entitlement
Including files another lender declined on a credit score overlay, a manual underwrite, or a past bankruptcy or foreclosure. VA publishes no minimum score. Most lenders add one. We do not.
Self-employed and 1099 borrowers
If your tax returns do not reflect what you actually earn, there are documented paths that use bank deposits, 1099s, a P&L, or your assets instead.
Homeowners who want equity without losing their rate
A hybrid HELOC or a closed-end second leaves your first mortgage alone. If you locked a low rate, that usually matters more than the equity math.
Investors
Rental property financing that qualifies on the property’s income rather than yours. See DSCR loans.
Anyone who was told no somewhere else
Send the denial with your message. Most of the time it turns out to be that lender’s overlay rather than an actual agency or VA rule, and an overlay is a fixable problem.
Questions Before You Send It
Will this hurt my credit score?
No. Submitting this form is not a credit application and triggers no inquiry of any kind. If we move forward to a preapproval, that begins with a soft pull, which does not affect your score, and we tell you before it happens.
What if another lender already turned me down?
Send us the denial. VA publishes no minimum credit score and no hard debt-to-income cap, but most lenders add their own rules on top of the handbook. Those extra rules are overlays. A file declined on an overlay can often close somewhere that does not impose one.
Do you lend in my state?
We are lending in 49 states. New York is the one exception. If you are buying somewhere other than where you live now, which is common with military orders, say so in your message and we will build the timeline around your report date.
What happens to my information?
It comes to our team and stays there. We do not sell it, and you will not start getting calls from lenders you never contacted.
How fast can you actually close?
It depends on the product and the file. A VA IRRRL streamline refinance can close in as little as 14 days. A Lightning Equity Hybrid HELOC can fund in as few as 5 days. A purchase runs on the contract date, and we build backward from it.