Loan programs for every situation.
Whether you're a first-time buyer, self-employed, a veteran, or an investor — we have a program designed for how you actually live and earn. No broker cost to you.
Government-Backed Loans
0% Down Available
FHA Loans
- Min. 580 credit (500 with 10% down)
- Up to 96.5% LTV
- Down payment assistance available
- No income restrictions
- First-time & repeat buyers
Veterans & Service Members
VA Loans
- 0% down, no PMI
- Min. 500 credit score
- Up to 100% LTV
- Active duty, veterans, surviving spouses
- Maximize your earned benefit
Competitive Rates
Conventional Loans
- 1% down available (680+ credit)
- Up to 99% LTV
- Strong credit gets best pricing
- Ideal for move-up buyers
- No upfront MIP
0% Down
USDA / Rural Loans
- Rural and suburban eligible areas
- Income limits apply
- 0% down payment
- Low MI rates
- Primary residence only
Self-Employed & Non-Traditional
12 or 24 Month Deposits
Bank Statement Loans
- No W-2s or tax returns needed
- Min. 640 credit score
- Up to 90% LTV
- 12 or 24 month bank statements
- Personal or business accounts
Independent Contractors
1099 / P&L Loans
- CPA-prepared P&L accepted
- 1099 income qualification
- Min. 660 credit score
- Up to 90% LTV
- Freelancers & gig workers
Non-SSN Borrowers
ITIN Loans
- ITIN accepted in place of SSN
- IRS proof of ITIN required
- Suitable for non-US citizens
- Primary & investment properties
- Multiple lender options
Strong Assets
No-Income-Doc Loans
- No income verification required
- Asset-based qualification
- For qualified borrowers
- Up to 65% LTV
- Primary, second home, investment
Investment & Specialty
Rental Income Qualification
DSCR Investor Loans
- Qualify on rental income only
- No personal income docs
- Up to 85% LTV
- Min. 620 credit score
- LLCs & corporations accepted
Luxury Properties
Jumbo & High Balance
- $75K–$5M loan amounts
- Primary, second, investment
- Competitive jumbo pricing
- Multiple lender access
- DMV market specialists
Non-US Citizens
Foreign National Loans
- No US credit history required
- Up to 75% LTV
- Min. 680 credit
- Second home & investment only
- Country restrictions may apply
Medical Professionals
Doctor Loans
- No mortgage insurance
- Student loans excluded from DTI
- Employment contract accepted
- High LTV available
- Physicians, dentists, residents
Additional Programs
Bridge Solution
Buy Before You Sell
- 0% interest bridge loan
- Unlock up to $2M in equity
- No contingency offers
- Pre-qualify in 24 hours
- Sell vacant for top dollar
FHA 203K & Conventional
Renovation Loans
- Finance purchase + renovation
- Single closing
- Primary residence
- Cosmetic & structural repairs
- Contractor coordination support
Fast Asset-Based Lending
Hard Money & Bridge
- 24–48 hour approvals
- 1–3 point processing fee
- Time-sensitive transactions
- Fix & flip investors
- Short-term financing
New Construction
Construction & Ground-Up
- 12–18 month typical timeline
- Draw schedule financing
- Builder coordination
- Ground-up & additions
- Extensions available
Business Properties
Commercial Loans
- Office, retail, mixed-use, industrial
- LLCs & corporations accepted
- Up to 75–80% LTV
- $500K–$5M+
- DSCR or income-based
Small Business
SBA Loans
- SBA 7(a) & 504 programs
- As little as 10% down
- Up to 25-year terms
- Owner-occupied properties
- Up to $5M SBA guarantee
Teachers & First Responders
Good Neighbor Next Door
- 50% off HUD list price
- Teachers, firefighters, EMTs, law enforcement
- FHA financing
- 3-year residency required
- Min. 580 credit score
Not sure which program fits?
That's exactly what we're here for. Tell us your situation and we'll match you with the best program from our network of 100+ lenders — at no cost to you.
No cost, no obligation · Loan amounts $75,000–$5,000,000 · All programs subject to eligibility and lender approval