First-time buyer, move-up, jumbo, VA, FHA, USDA, self-employed, and investment purchase loans.
See All Purchase Options
Rate & term, cash-out, streamline, jumbo, HELOC, and debt-consolidation refinance strategies.
See All Refinance OptionsPrograms that help you buy — whether it's your first starter home or your fifth rental.
3% down for qualified first-time buyers. Fixed or adjustable, 15/20/30 year.
3.5% down, flexible credit, gift-fund friendly, assumable by future buyers.
Zero down and no PMI for eligible veterans and service members.
Zero down for eligible rural and suburban properties.
Above-conforming loans with competitive portfolio rates.
State bond loans and down-payment assistance stacking.
Adjust your rate, term, or access equity — if the numbers make sense.
Lower your rate or change your term with no cash out.
Convert home equity into usable cash at closing.
Simplified refinance with reduced documentation for existing government loans.
Above-conforming refinances including cash-out options.
Preserve your current first-lien rate and draw equity as needed.
Consolidate high-interest debt into your mortgage — when the math works.
For borrowers whose stories don't fit a standard template.
Qualify on 12 or 24 months of bank statements — no tax returns required.
Qualification based on rental income, not personal income.
One-time-close financing from ground-up through permanent mortgage.
Finance purchase + renovation in a single loan (203k, HomeStyle).
Use liquid assets as qualifying income for high-net-worth borrowers.
Programs for qualified non-resident borrowers purchasing US property.
Important: Program availability, rates, and terms vary by lender, state, occupancy, credit profile, loan-to-value, and market conditions. Not all borrowers will qualify for all programs. This is not a commitment to lend. All loan programs are subject to underwriting approval.
Our brokers listen first, then recommend. A 15-minute call is all we need to point you at the right program.
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