Loan Programs
Every borrower is different, so as a broker we shop a wide range of loan programs through our wholesale lender partners. Here's a quick guide. Click any program to learn more.
Buying a home
- Conventional - low down payment options for qualified buyers, with mortgage insurance that can be removed later
- FHA - government-insured, with flexible credit guidelines
- VA - for eligible veterans and service members, with no down payment required by the VA for qualified borrowers
- USDA - for eligible buyers in qualifying areas, with no down payment required by USDA for qualified borrowers
- Jumbo - for loan amounts above the conforming limit
- First-time buyer programs - including OHFA and PHFA options
- Manufactured homes
Building or renovating
- FHA 203(k) - buy and fix up in one loan
- Construction loans and one-close construction
Refinancing and equity
- Refinance, cash-out refinance and FHA/VA streamline
- Home equity / HELOC
- Reverse mortgages for homeowners 62+
Self-employed, investors and unique situations
- Bank statement loans, DSCR loans, investment property
- Non-QM, ITIN, foreign national, small-balance commercial
Program availability, terms and eligibility vary by lender and change over time.