Explore Your Loan Options
No matter where you are in your homeownership journey, we’re here to help you explore your loan options. Whether you’re buying a home, refinancing, or using your equity, we offer flexible loan options tailored to your needs. From government-backed programs to investor financing and second mortgages, we serve borrowers in 49 states with simple, strategic mortgage solutions.
First-Time Homebuyer Programs
Buying your first home can feel overwhelming. However, with the right loan, it doesn’t have to be. We offer programs with low down payments, easier credit guidelines, and access to options like FHA, USDA, and local assistance programs. Even with limited savings or credit history, you may qualify for support. [See if you qualify →]
FHA Loans
FHA loans are a smart choice for buyers with limited savings or past credit issues. These loans are backed by the government and allow for flexible requirements, which makes them especially helpful for first-time buyers. If you need a lower barrier to homeownership, FHA might be the solution. [Find out if you’re eligible for FHA →]
VA Loans
VA loans are built for service members, veterans, and eligible surviving spouses. These loans require no down payment, no private mortgage insurance, and allow for more flexible credit. We accept manual underwrites and never add extra overlays. If you’ve served, you deserve every benefit available. [Check your VA mortgage eligibility →]
USDA Loans
Looking to buy in a rural or suburban area? USDA loans offer 100% financing and reduced mortgage insurance. They come with low rates and are one of the most affordable loan types for eligible buyers. [Find out more →]
Jumbo Loans
If you’re buying a high-value property that exceeds conforming loan limits, a Jumbo loan may be the right fit. These loans offer flexible documentation, competitive rates, and even interest-only or bank statement programs. [Explore Jumbo options →]
Non-QM & Hybrid Loans
Some borrowers don’t fit traditional loan boxes — and that’s okay. Non-QM and hybrid loans serve self-employed buyers, investors, or those with complex income. Options include bank statements, asset depletion, or P&L-only qualification. [See Non-QM solutions →]
DSCR Loans (Investor Loans)
DSCR loans are perfect for real estate investors. These loans qualify based on a property’s rental income, not your personal finances. It’s a great fit for both experienced and first-time investors building a portfolio. [Find out more about DSCR →]
Foreign National Loans
Foreign National loans make it possible for non-U.S. citizens to finance real estate in the U.S. These loans don’t require U.S. credit or income. Instead, they focus on rental income and international credit. [Get Foreign National loan info →]
Second Mortgages & HELOCs
Tap into your home equity without touching your first mortgage. Choose between closed-end second loans or hybrid HELOCs. These options offer quick closings, flexible credit standards, and no in-person appraisal. [See second mortgage options →]
Down Payment Assistance & Housing Finance Authority Programs
Many city, county, and state-level programs offer help with your down payment and closing costs. These pair well with FHA, VA, USDA, and conventional loans. If affordability is holding you back, these programs may provide the boost you need. [Find DPA programs →]