Loan Program Library
Mortgage programs, explained without the sales pitch
Each page covers who the program is designed for, occupancy and down payment expectations, benefits, honest considerations, how qualification generally works, and the documents commonly requested. Financing strategies are labeled separately from actual loan programs.
Core
Conventional Loans
The most widely used financing for primary homes, second homes and rentals.
Learn more Loan programFHA Loans
Government insured financing with flexible credit and down payment guidelines.
Learn more Loan programVA Loans
A benefit earned through service, with no required down payment for eligible buyers.
Learn more Loan programUSDA Loans
Rural development financing with no down payment in eligible areas.
Learn more Loan programJumbo Loans
Financing above conforming loan limits for higher priced homes.
Learn moreSpecialty
Physician Loans
Financing built around a physician's employment contract and student loan reality.
Learn more Loan programBank Statement Mortgages
Qualify with business or personal deposits instead of tax return net income.
Learn more Loan programForeign National Mortgages
Financing for buyers without U.S. credit, residency, or domestic income.
Learn more Loan programNo DTI and Asset Acquisition Mortgage
Qualify using verified assets rather than monthly income.
Learn moreInvestment
DSCR Loans
Investment property financing qualified on rent, not personal income.
Learn more Loan programConventional Investment Property Loans
Agency financing for rentals, qualified on your personal income.
Learn more Loan programFix and Flip Loans
Short term financing for purchase plus renovation on a resale or refinance exit.
Learn moreHome Equity
HELOC
A revolving line of credit secured by the equity in your home.
Learn more Financing strategyUltimate HELOC
An all in one line of credit used as both a checking hub and a mortgage payoff tool.
Learn more Financing strategyBuy Now Sell Later
Buy your next home before selling your current one, without a sale contingency.
Learn more Financing strategyBridge Financing
Short term financing that bridges the gap between buying and selling.
Learn more Loan programReverse Mortgage
For eligible older borrowers: purchase, refinance or access equity without a required monthly principal and interest payment.
Learn moreRefinance
Cash Out Refinance
Replace your mortgage with a larger one and take the difference in cash.
Learn more Financing strategyRate and Term Refinance
Change your rate, your term, or your loan type without taking cash out.
Learn more Financing strategyDebt Consolidation
Use home equity to combine higher rate balances into one payment.
Learn more Financing strategyRemoving Mortgage Insurance
Options for ending monthly mortgage insurance when you have enough equity.
Learn more Financing strategyInvestment Property Refinance
Restructure or pull equity from rental property you already own.
Learn moreConstruction & Renovation
One Time Close Construction Loans
Build a custom home with a single closing that converts to permanent financing.
Learn more Loan programRenovation Loans
Finance the purchase or refinance plus the improvements in one mortgage.
Learn more Loan programFHA 203(k) Renovation Loans
FHA financing that includes repair and improvement costs in the mortgage.
Learn more Loan programFannie Mae HomeStyle Renovation
Conventional renovation financing with broader property and improvement eligibility.
Learn moreNot sure which program fits?
Answer a few questions and see the programs that may apply to your situation.