Loan programs
A plain-language overview of the loan types we arrange. Which program fits depends on the property, your finances and each lender's guidelines. We'll go over your options with you before you decide.
Conventional loans
Loans that are not insured or guaranteed by a government agency. Many follow guidelines set by Fannie Mae and Freddie Mac. They can be used for a primary home, a second home or an investment property.
FHA loans
Loans insured by the Federal Housing Administration. FHA guidelines can be more flexible about credit history, which can help first-time and returning buyers. FHA loans are for homes you will live in.
VA loans
Loans guaranteed by the U.S. Department of Veterans Affairs for eligible veterans, service members and some surviving spouses. Eligibility is confirmed with a VA Certificate of Eligibility.
Jumbo loans
Loans larger than the conforming loan limit for the county where the home is. Lenders usually have stricter credit, asset and reserve requirements for these loans.
Non-QM: bank statement loans
For self-employed borrowers whose tax returns don't show their full income. The lender reviews personal or business bank statements to document income instead.
Non-QM: DSCR loans
For investment properties. The lender looks mainly at whether the property's rental income covers its housing costs, rather than your personal income.
Refinance and cash-out
A refinance replaces your current mortgage with a new one, for example to change the loan type or term. A cash-out refinance lets you borrow against your home's equity and receive part of it in cash.
First-time buyers
If this is your first home, we explain pre-approval, the documents lenders ask for and what happens at each step, so you know what to expect before you make an offer.
Investors
Purchase and refinance loans for rental and investment properties, including DSCR loans.
1031 exchange financing
Financing for a replacement investment property bought through a 1031 exchange, where you sell one investment property and buy another under Section 1031 of the Internal Revenue Code. We line up the loan timeline with your exchange deadlines and your qualified intermediary. We don't give tax advice, so please talk with your tax advisor about the exchange itself.
Non-QM loans don't follow the federal Qualified Mortgage rules, and their terms often differ from conventional loans. We'll explain the trade-offs before you choose one.